Refinancing And Releasing Equity

REFINANCE – RESTRUCTURE

refinance

Should you refinance your mortgage?

Refinancing or restructuring your loan often is an effective way of ensuring that your mortgage plan and structure remain inline with your financial strategy. As times goes on, mortgage products change and so refinancing usually means more competitive pricing, fees and smarter features.

Reasons to Restructure

Interest rate costs – the difference between a few basis points can make a staggering difference to the amount of interest you pay over the life of your mortgage.  It does not always mean refinancing away from the lender you’re currently with.  We can often work with your existing lender to secure further pricing discounts

Fixing all / part of your loan – while interest rates are at record low levels, so are fixed rates.  Why not consider splitting your loan and fixing a portion to have certainty with your financial commitments

Switching Product – mortgage products come and go.  What was once the most competitive rate going round now seems tired.  Our brokers have access to the latest tools to search the mortgage market and go through hundreds of different products

Cash Out – access equity from your property to use for any acceptable purpose – renovations, investment, purchase a vehicle etc

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What Clients Say

My partner and I were very anxious about getting our first home loan. Hellen was incredibly supportive right from a free consultation before we even had our deposit together, through to applying for the loan a year later. She was patient and answered our many questions throughout the process. Even today we keep her updated on our progress and ask for advice on paying off our loan quickly. We’d like to thank Hellen for her patience and flexibility!

My experiences with Hellen have been overwhelmingly positive and I can’t recommend her enough. From the time we first spoke on the phone, through our initial meeting and all following interactions, Hellen has been a valued partner for me in buying a new home. Not only has she assisted with accurate and helpful advice with regards to the mortgage itself, she has also always been available, often at short notice, to discuss any questions I had about the process overall.

The difference between Hellen and other brokers I have used comes down to her approach; it doesn’t feel like I’m just another client for her, instead I am someone that is important and deserves her personal attention. She is someone I can rely on for advice, has been always responsive, always professional and always delivered for me when I needed something.

Our new business was showing potential but we needed an injection of cash to take it to the next level. Our bank, however, refused to help us out and the finance brokers that we spoke to said not to bother trying, as we had no chance of getting a loan!

Then Hellen was recommended to us and it literally changed our business!

Hellen was able to share the vision we had of putting a mobile cat grooming van on the road, the only one of its kind in Perth. She left no stone unturned in finding a loan provider that was not only willing to give us the money but also a repayment scheme that suited us. The support she gave us right through the process was exemplary!

Since then the business has not looked back and we are considering expanding again.

When we do Hellen will be the one we call!

I have no hesitation in recommending Hellen’s services to anyone.