Refinancing | Mortgage Broker Dingley Village, Keysborough, Dandenong and right across Victoria
In today’s dynamic market, refinancing your home loan isn’t just about saving on interest - it’s about keeping your loan in sync with your financial goals. Whether you want to free up cash flow, access equity for investments, or adjust your loan after a fixed-rate term, refinancing can unlock new opportunities and make sure you’re not overpaying. Let's get started!
Our free home loan review service
It's one of my favourite offerings as a Mortgage Choice Broker in Dingley Village: a free review of your home loan. That's because trying to do it on your own would leave anyone overwhelmed and confused - there are so many options out there! As a Mortgage Broker and ex-financial adviser of more than 15 years, I'm passionate about keeping more money in your pocket for your next goal, and re-aligning your home loan with your own financial plan.
Why should I use a broker to refinance?
- Secure a better interest rate
Your interest rate may have been competitive when you first took out your loan, but this can easily change over time. Securing a better interest rate can help lower your monthly repayments and potentially cut thousands of dollars from the overall cost of your loan and help you pay off your mortgage faster.
- Change your loan structure
If your current loan has a variable interest rate, you may decide that you would prefer the certainty of a fixed rate. Or perhaps you want to fix part of your loan and keep the rest variable. Refinancing can help you find what you’re looking for. It may even be possible to do this with your current lender without needing to refinance.
- Consolidate other debts
Even with rising interest rates, mortgage rates tend to be much lower than other types of debt such as credit cards and personal loans. Refinancing your home loan gives you the opportunity to roll other expensive debts into your mortgage, which may reduce the total amount of interest you’re paying. Debt consolidation also streamlines debt management because you only have to make one monthly repayment instead of multiple. The main thing you need to consider with this strategy is that it can turn a short-term debt into a long-term debt. For debt consolidation to be truly cost effective, you need to commit to making additional repayments to pay off the enlarged loan as quickly as possible.
- Unlock your equity
Your home can be much more than a place to live. It’s also likely to be one of your most valuable assets. If you’ve lived in your home for a while, it's likely that its market value has increased. This means you’ve built up some equity that you can tap into. Refinancing can help you unlock the equity in your home to finance a renovation, take a holiday or use as a deposit to purchase an investment property.
- Take advantage of different features
If your current loan doesn’t suit you anymore, you may want to switch to a loan that does. This might mean accessing features such as a redraw facility or offset account, or even taking advantage of a bundled package loan offering. On the flip side, if you’re not using most of the features that come with your current home loan, it might be worth switching to a more basic loan. These loans generally cost a bit less than home loans with lots of features.
Here's what my service includes:
- A review of your current home loan: I start by carefully reviewing your current home loan and assessing how it stacks up against the rest of the market. We'll talk about your goals, because refinancing can achieve more than just saving you money! It can help you free up cash flow for other projects, access equity to invest or support other goals.
- Ask your current lender for a discount: Sometimes the quickest way to save is by negotiating with your existing lender for a better rate. I handle this conversation on your behalf to see if we can secure a discount before exploring other options. Banks are competitive for new customers, and I want to make sure you're not missing out.
- Compare loans from over 35 lenders: I then tap into a panel of over 35 leading banks and lenders to see if there's a lot that better suits your goals - whether it's a lower rate or one with more flexible terms. It's there's a better deal out there, I'll find it.
- Management of your refinance: Once you have given me the go-ahead, I take care of everything from submitting the application to communicating directly with the lender. My goal is to make the transition from your current loan to the new one as smooth and stress-free as possible.
Reach new goals with refinancing
Refinancing isn’t just about saving with a lower interest rate - it can open doors to new opportunities like renovating, investing or free up cash flow for other goals. As your Mortgage Broker, I'll explore the market and find a deal that works better for you.
Better Choice for a Better Life - Take advantage of our FREE home loan Health Check to see if we can find you a better deal.
Find out more about GuyMy refinancing service is free
As a Mortgage Choice Broker, my refinancing service is free. We are paid by the lender when your loan settles with them. It means that we can offer transparent advice to everyday homeowners who want to put any extra cash toward their family - and not their bank.
Find out more about refinancing
Start your home loan journey today
Book a free review of your loan
I'm passionate about helping my clients access refinancing options that could truly make a difference to their finances. I offer mobile Mortgage Broking services throughout Dingley Village, Keysborough, Dandenong and right across Victoria. Otherwise, I'm available to chat by phone and video.
Ready to discuss your goals? Call me today on 0425 349 916 or fill out our contact form.
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Smoother experience as they have all your information.
Better understanding of your financials to provide tailored advice. 
Faster response compared to being matched with a new broker.
