Refinancing
Take advantage of better rates on the market and start saving to spend money on what matters most to you
Rated 5 from 47 Reviews
Take advantage of better rates on the market and start saving to spend money on what matters most to you
Rated 5 from 47 Reviews
When it comes to managing your home loan, refinancing can be a crucial step in optimising your financial situation. At Abundance Home Loans, we specialise in helping clients across the Mornington Peninsula and throughout Australia access loan options from banks and lenders nationwide. Whether you're looking to secure a lower interest rate or release equity to buy your next property, our team is here to guide you through the refinancing process with ease.
Refinancing your home loan can offer numerous benefits, particularly when your fixed rate period is ending or if you’re seeking to access a lower interest rate. By reviewing your current loan, you may find better loan options that could reduce your loan repayments or allow you to change your loan term to better suit your needs. This process involves assessing your financial situation, including your credit history and bank statements, to determine the most suitable options available.
One significant advantage of refinancing is the potential to release equity in your property. This can provide the funds needed for various purposes, such as purchasing an investment property or funding renovations. By unlocking this equity, you can leverage your existing assets to enhance your financial portfolio. At Abundance Home Loans, we help you evaluate these opportunities and check eligibility for special lender policies that might align with your goals.
Consolidating debts is another motivating factor for many homeowners considering refinancing. Rolling multiple debts into one manageable home loan can simplify repayments and often leads to a lower overall interest rate. With access to banks and lenders nationwide, we can assist in finding a loan solution that aligns with your financial objectives and offers a streamlined application process. This ensures that managing your debts becomes less burdensome, allowing you to focus on what truly matters.
Choosing between a variable interest rate and a fixed interest rate is an important decision in the refinancing process. A variable interest rate can offer flexibility and potential savings if market rates decrease, while a fixed interest rate provides stability and predictable repayments. Our experts at Abundance Home Loans help you weigh the pros and cons of each option, considering factors like market conditions and your personal preferences.
At Abundance Home Loans, we understand that the application process for refinancing can seem complex. Our goal is to simplify this by offering personalised guidance every step of the way. We help you gather necessary documents such as bank statements and ensure all details are accurately prepared for submission. Our team’s expertise in refinance interest rates ensures that you are well-informed and confident about the decisions you make.
Refinancing with Abundance Home Loans offers a pathway to potentially better financial health through strategic planning and expert advice. Whether you're looking to reduce loan repayments, change your loan term, or access better loan options, our team is dedicated to finding solutions tailored to your unique circumstances. Reach out today to discover how refinancing can benefit you and take advantage of our streamlined application process to make your financial dreams a reality.
Initial Consult
Have a chat with one of our qualified Mortgage Brokers who will understand your situation and talk you through the next steps.
Fact Find
We'll work with you to understand a bit more about your situation (including your financials, assets etc.) to make sure you will qualify for a loan.
Pre Approval
Once you're approved, you can start bidding or making offers on properties you want to purchase.
Formal approval
Once you’re approved you can sit back and wait for settlement.
Settlement
You settle on the property, your loan is drawn-down and you're good to go!
Book AppointmentET
Em Tee
Mandy and her team were beyond brilliant in assisting through the entire process in obtaining and refinancing our mortgage. Could not recommend her services enough!
KD
Kerryn D
Mandy is warm and professional. Easily contactable and generous with information. The whole process was easy, and I have a great home loan. Fantastic and highly recommend.
SM
Samantha Millhouse
Mandy was amazing from start to finish and achieved miracles with our home loan. She went above and beyond, working so hard to secure a brilliant deal. Highly, highly recommend! Thank you Mandy!
We love helping First Home Buyers! We're experts at the entire process and can help you get the right Home Loan. We're also across the various schemes to help First Home Buyers such as the First Home Owners Grant and the various stamp duty exemptions available.
Of course! We believe that we can find the best interest rate for you to refinance to, whether it's a Home Loan or Investment Loan.
All of our Mortgage Brokers are accredited and members of the Mortgage and Finance Association of Australia. They are extremely professional and provide exceptional service across a range of lending options.
I receive a commission from the Bank or Lender for selling their products, so you don’t pay anything up front or at settlement of the loan. Sometimes, I may charge you a fee directly, instead of, or as well as, the lender’s commission.
This will depend on the complexity of your situation and how long it takes to obtain your home loan. I will let you know up front if a fee is payable or not.
We can help with Home Loans, Investment Loans, Construction Loans, Car Loans, Personal Loans and much more. If you're looking to borrow to buy property something, we can probably help.
With many lenders to choose from, you may decide to get help from a mortgage broker rather than going direct to your bank where you only have access to the banks home loan products, limiting your options.
Using a mortgage broker gives you more options based on your personal circumstances and acts as a go-between with the banks or other lenders to arrange your home loan. As a Mortgage broker I act in your best interests when suggesting a home loan for you.
In our first appointment, I will understand your needs and goals, work out all the figures and how much you can afford to borrow. Then find the best options to suit your situation.
If you don’t know much about home loans, I will explain the options, feature, benefits and the costs to give you peace of mind. I deal with all the paperwork and take away the hassle so you can get on with your day, knowing that I have everything under control.
We take look at a wide range of products available from Banks, Credit Unions & other lenders across the country. This means we can search thousands of products and make sure we're always recommending the best Home Loans for our clients.
Abundance Home Loans ABN: 31 650 722 704, Abundance Home Loans Pty Ltd ABN: 31 650 722 704 is a credit representative (489392) of BLSSA Pty Ltd ACN 117 651 760 Australian Credit Licence 391237.
Disclaimer: The information provided on this site is on the understanding that it is for illustrative and discussion purposes only. Whilst all care and attention is taken in its preparation any party seeking to rely on its content or otherwise should make their own enquiries and research to ensure its relevance to your specific personal and business requirements and circumstances. Terms, conditions, fees and charges may apply. Normal lending criteria apply. Rates subject to change. Approved applicants only.
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