Mortgage refinance options

It isn't always about interest rates

It is a matter of analysis as to which lender will best suit your requirements as well as meet any criteria you have set down for a lender to live up to. 

The following factors may have different levels of importance to you, so we will balance these in our assessment. 

• A lender to suit your goals now, and in the future.
• Flexible loan products.
  
• Competitive interest rates and fees.
• A criteria which gives you the ability to top up your loan if you need it.
  
• Debt repayment in line with your time-frames.
• Premium service and expertise - which is where we come in. 
  

When we consider refinancing your mortgage, this is what we aim to deliver

1. A financial benefit to you (see our note about costs below). 
   
2. A strategy and a lender to help you achieve your goals.
3. A stress-free changeover.
   

Your financial benefit will take account of the costs involved

Costs can be obtained from your bank (and lawyer) before proceeding. 

Costs could include:

1. Fixed interest rate break fees (if applicable).
2. Early repayment administration fees and mortgage discharge fees (estimate $400).
   
3. Legal expenses and disbursements (estimate $700).

Getting started on refinancing your loan

One of our mortgage brokers will assess your online loan application and will be in touch to clarify any areas of the application, and to find out from you what you want to achieve with your refinance, over the short to medium term.

Note:  In today's market, in order to look at a prime lender refinance (that's refinancing to the main banks), you will have needed to have made your current loan repayments in full, and on time, for the past 6 months. 

Here is a quick list of what we will need

Below is a fairly standard list of things we will need from you.  Other information may be required, and we will cover this with you once we have completed our initial analysis.

• Online loan application completed.
• Identification: copy of passport or drivers licence.
  
• Verification of your income: might include payslips, letter from employer, copy of employment contract, financial accounts, tenancy agreements (for rental income).  We will tell you what is required. 
  
• Verification of your property's market value: might include a report by a registered valuer.  We will let you know what market value mechanism will be best for your situation.
  
• Loan repayment history: six months loan repayment history for all debts we are refinancing.
  
• Account conduct: three months bank statements for your day to day account (where your income is credited to).
  

Can we help you to get started?

You can read a little bit more about how we work here.  If you like the way we work, then let's get started. 

Don't worry about us spamming you, or becoming a nuisance if you make contact with us, - we just don't do that stuff. 

So why not give us a try? 

• Quick questions here.
• Introduce a scenario to discuss.
• Register and apply for a loan.