Helping You
Are you stressed about your mortgage payments? Are you tensed about the long-term effects of a high-mortgage debt? If yes! refinancing of home loan might be the solution, as refinancing helps in reducing monthly payments and taking advantage of attractive interest rates and other benefits.
As a leading mortgage broker, we provide home refinancing services that offer a range of benefits to you. It gives you access to lower interest rates, more feature-packed loan, and more suitable terms and conditions. It can also provide access to equity built into your property to renovate, purchase an investment property or consolidate debt. With a refinancing solution, we help you unlock the equity in your home and enable you to take a step up the financial ladder. No matter what the reason, as mortgage brokers, we can help you grow a healthier financial future by refinancing your home loan.
What Are The Benefits of
- Lower Your Repayments
We help you find a loan with lower interest rates so that you can pay less for your loan each month, giving you more cash to pay the bills or save for the future. - Pay Off Your Loan Faster
Lower interest rates but the same amount of repayment as before enables you to repay your home loan more quickly. - Get More Features
With home loan refinancing, we ensure you are able to take advantage of additional features, such as:
1. Flexible repayments
2. Offset account
3. Flexible interest options
4. Redraw facility
5. Portability. - Consolidate Debt
Refinancing also gives you an opportunity to consolidate other debts like personal loans, car loans, and credit cards- into a new home loan with a lower rate of interest. Refinancing streamlines your repayments, helps you save on interest, and makes it easier for you to manage your finances under one loan. - Tap into Extra Money
Refinancing helps you unlock the accrued equity in your property to reach your next goal. Home equity is defined as the difference between your property’s current market value and what you still owe on your existing home loan. You may be able to access some of the equity for any purpose like renovating, education, purchase of investment property, etc.
What Is The Process Of
Current Home Loan & Needs Analysis Review
Our team of loan specialists will do an obligation-free home loan review. They will then suggest to you if more suited loans are available in the market. We will then analyse your circumstances in detail and advise you on the cheaper loans and lenders that would suit your needs, the costs involved in refinancing the home loan and the application process, so you have all the required information before you decide to go ahead.
Loan Refinance Application
Once you choose the preferred option for your home loan refinance, we will complete all the paperwork for you. We will brief you on what personal documentation the lender requires and ensure you understand your loan’s terms and conditions. As your mortgage broker, we will liaise with the lender on your behalf and ensure the application is structured for the highest chances of approval.
Loan Refinance Approval
We will inform you as soon as the home loan refinance has been approved. Your new lender will pay out your existing loan, and you can commence repayments on the new loan. Your lender will get the title deeds for your property, and the discharge of mortgage documents will be lodged with the Land Titles Office for you.
What Are the Eligibility Requirements For
- At least 18 years of age.
- A permanent resident of Australia.
- Identity proof, such as a passport or driver’s licence.
- Financial details, such as assets and liabilities.
- Details of your income and expenses.
- If there is a co-applicant, then both applicants need to be present.
Key Lending With U 4ever can help you refinance your existing home loan to ensure you achieve your financial goals. Talk to our home loan specialists, who will review your options, so you pay less fees and interest. Our team will help you through the entire process. We will help you save time and money by getting a better deal on your home loan. Book an appointment now to learn more about your refinancing options.