We can show YOU how to cut your mortgage term by up to half and you will be paying LESS per month. The results we achieve for our clients will blow you away!

What is Refinance?

Refinancing is the rolling of all of your existing debts into one loan, which will give you a lower repayment as well as a lower interest rate. The average Australian refinances his/her existing debts (credit cards, personal loans etc.) onto their home loan every 3.2 years.

What are the benefits of Refinance?

There are plenty of advantages for you in refinancing your home loan. The major benefit is having a lower monthly repayment. You will also have a lower interest rate, a reduced mortgage term and we will be able to show you how to get your income to start working for you and NOT the banks!

An example of the benefits of Refinancing your home loan?

You may have existing credit card and personal loan debts totaling for example $10,000. You are currently paying $400 per month for this debt. By refinancing this personal debt onto your home loan, you will reduce your monthly repayments of $400 down to $200 per month and reduce your interest rate from 16% down to 7%. You will also own your home sooner!

Most people refinance for one of the following reasons:

You want to renovate your home.

You want to pay off debts more quickly and cheaply by rolling them into your home loan.

You want to get a cheaper rate, even if it means giving up a few loan features. For instance, many people find after a few years that they're not making best use of a higher-rate mortgage offset loan.

You want to raise cash for a purchase such as a car or to have an overseas holiday.

You realise that your home loan doesn't suit your personal habits. This often happens to "line of credit" borrowers, who eventually realise they'd be better off with a loan that forced them to pay it off over time.

You have a good income and you want a home loan that will actually allow your income to start working for you- an "all-in-one" account.

You are currently paying a high interest rate - for example, if you arranged a low-deposit, rising-rate home loan from your builder.

You want to switch from a fixed rate to a variable rate, perhaps because you can accept the risk of higher repayments.

You want to switch from a variable rate to a fixed rate, perhaps because you need the certainty that your repayments will stay the same for the next three years or so.

"I am pleased to endorse your companies friendly and efficient service. I was originally attracted by your informative and well-designed website. The professional feel was very apparent. My initial inquiry was answered promptly and the following discussions with Scott were very helpful. My actual application was processed very quickly, Scott and staff helped to sort out some of the inevitable glitches with the lending institution. I was very impressed with the prompt attention by your team in arranging an agreed valuation of my property. Most of all, I was pleased to note that you quickly understood my particular situation and my individual finance needs. I found your company is innovative, responsive and dedicated to getting it right the first time - a refreshing change!" L. Smith - Mt Lawley, WA

"I can thoroughly recommend your company to all. It took me a little longer than I expected to make the final decision to buy, and throughout the whole protracted affair Scott was there patiently offering support, continually updating my details and advising of the best available options. I sincerely thank Scott and his team for the patience and timely support that they provided. " A & J Rivers - Maroochydore, QLD