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Refinance Home loans

Fluctuation in interest rates since your original home loan terms? Our advise- Refinance Home Loans. Refinance your existing loan to a new loan with a lower interest rate, thus lower interest amount and monthly payments.

Revise and replace your existing mortgage credit agreement and evaluate new loan options with your existing lender or a new bank.Our Process

Take advantage of lower interest rate and several long-lasting benefits. Get our expert advice from mortgage brokers in helping you payout the current loan with a new one with better terms and features. It might involve shortening loan term and reduced repayments as well as securing a better interest rate.

Bring all of your existing debts together into a single debt and manage your repayments by taking out a new personal loan and repay into a possibly more affordable payment over a set term.

Extract the equity you have in your home to pay for home renovations.

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What is Refinancing ?

It is the process of revising and replacing your existing mortgage credit agreement with a new one. The new loan option can be with your existing lender or a new bank. It is often done since there has been a change in your financial situation or simply because you want to avail benefits from a better deal on your existing home loan.

Why Refinance ?

Refinancing can be a smart way of managing your funds. Depending on the options you would like to avail, It may offer you securing a better deal, consolidating your debts or unlocking equity in your current property. For eg. after having the original home loan product for a few years, you may start to be noticing fluctuation in interest rates and better deals appearing on the market and want to check if you can take advantage of them.

When looking for refinance, you generally want to increase, decrease, or keep the loan amount the same.

Increase the loan amount

Increasing the loan can be opted when you want to consolidate debts or free up some money for other expenditures like home renovations. This also suits well you have lots of different credit cards and are paying very high-interest rates. Consolidating your debts in one personal loan will make reduced interest rates and repayments much simpler.

Decrease the loan amount

Loan amount may be decreased in order to reduce the loan term, your monthly repayments as well as securing a lower interest rate. It might not be necessary to refinance if you are decreasing the loan by injecting a lump sum amount. However, it is always recommended to assess the latest interest rates and terms banks or other lending institutions are offering so as to find a suitable product or deal according to your needs and circumstances.

Keep the amount same

Lastly, keeping the loan amount the same is most likely when you are looking for a better deal. What really constitutes such a deal is when you are taking care of a certain set of circumstances. For example, your credit card score has improved and now you can secure a better interest rate depending on the market conditions.

What's the best option for you

Whatsoever is the case, comparing deals online and taking advantage of market conditions and checking your suitability is a great way to start so as to assess what deals appeal to you.

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Benefits of Refinancing

Debt consolidation

Better Rate

Cash-out

Lower Repayments

How does Refinancing Work ?

The Process of refinancing a loan is very similar to the process of getting a new loan. You typically start with exploring and comparing interest rates of different lenders and see which has the best offer. After that you compare the costs of your current mortgage with your existing lender and its terms and conditions.

Since the time of your first approved loan, if there has been an improved credit score then you may have a good chance of qualifying for more favourable terms.

In the process, take expert advice from our brokers on what options are available to you. A broker will also be able to step you through the process of applying to refinance, along with any documentation you’ll require. Once approved, your new lender will send a Letter of Offer and arrange settlement with your current mortgage provider. On settlement day you cease paying your mortgage with your old provider and start repayments with your new lender.

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1300-438-562

info@nfinityfinancials.com
Suite 215, East Wing, 33 Lexington Drive, Bella Vista NSW- 2153

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See what our customers have to say about Nfinity Financials products, people and services.

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