Refinance your Home Loan or Investment Loan and access a variety of loan options and competitive interest rates. Get help from an experienced Finance & Mortgage Broker at Money Sense Lending today!
Rated 5 from 96 Reviews
At Money Sense Lending, we understand that refinancing can play a crucial role in optimising your financial situation. Whether you're based in Traralgon, Victoria or elsewhere in Australia, refinancing offers the opportunity to access loan options from banks and lenders across Australia that better suit your needs. With the right guidance, refinancing can help you secure a lower interest rate, adjust your loan term, or even release equity in your property to fund future investments. Our dedicated team is here to ensure you get the most out of this financial opportunity.
Refinancing your home loan can be a strategic move for many reasons. One of the top advantages is accessing a lower interest rate. With refinance interest rates potentially being more favourable than those on your current loan, you can reduce loan repayments significantly. This not only eases your monthly budget but also decreases the total interest paid over the life of the loan. Additionally, if you find yourself at the end of a fixed rate period, refinancing provides an opportunity to switch to a variable interest rate or secure another fixed interest rate, depending on what best aligns with your financial goals.
Another benefit of refinancing is the ability to consolidate debts. By merging various debts into a single loan, you can simplify your financial obligations and potentially lower your overall interest costs. This consolidation through refinancing can be particularly beneficial if you have accumulated credit card debts or personal loans with high interest rates. Moreover, refinancing allows you to release equity in your property if you're considering buying your next property or investing elsewhere. Releasing equity can provide the necessary funds without having to dip into your savings.
The application process for refinancing with Money Sense Lending is designed to be as straightforward as possible. We offer a streamlined application process and provide access to banks and lenders nationwide, ensuring you find better loan options tailored to your needs. Our team helps you gather essential documents, such as bank statements and reviews your credit history to check eligibility for special lender policies. This thorough approach ensures that you have all the necessary information to make an informed decision that aligns with your financial situation.
If you're considering changing your loan term, refinancing can help you adjust the duration of your mortgage. Whether you're looking to extend the term for lower monthly repayments or shorten it to pay off your loan sooner, our experts at Money Sense Lending will guide you through the options available. With our extensive network, we assist you in accessing loan options from banks and lenders across Australia that cater to these preferences.
In summary, refinancing can be a powerful tool to enhance your financial health. By accessing a lower interest rate, consolidating debts, or releasing equity in your property, you can take control of your finances more effectively. At Money Sense Lending, we're committed to making this process seamless and beneficial for you. Contact us today to explore how refinancing could work for you and unlock better loan options tailored to your circumstances.
Initial Refinance Consultation
A Finance & Mortgage Broker will take the time to understand your current loan situation and discuss refinancing options available from banks and lenders across Australia. We'll guide you through the next steps of the refinancing application process, ensuring you have access Home Loan options and the most competitive refinance interest rates.
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 refinancing. We will also check eligibility for special lender policies that might benefit you.
Pre Approval
Once you receive pre-approval for the refinancing, you can move forward with confidence. We will outline the new loan amount, interest rates (both variable and fixed), and any potential interest rate discounts. Whether you are looking to reduce loan repayments, consolidate debts, or change your Home Loan term, we ensure you access loan options from banks and lenders nationwide.
Settlement
During the settlement process, your existing loan will be paid off, and your new loan will be drawn down. We will assist you in understanding all associated costs, including any fees or charges related to the refinancing.
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Meg Sullivan
As a first-home buyer, I really appreciated how patient, clear and proactive Dougal was throughout the entire process. He explained everything in a way that made sense, kept me updated, and genuinely had my best interests in mind. He secured a great rate with a reputable lender and made the whole process far less stressful than I expected. Would definitely recommend.
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Harry Langford
Very professional and awesome to deal with. Taking the big step was quite daunting but with the amazing help from dougal he made the process so much easier and made us feel very comfortable. With his genuine care to helping us from 100 messages during the day to phone calls at 6pm he did everything in his power to make this process stress free and made us feel so comfortable.
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Bronte Rodway
BEST BROKER EVER! We had an amazing experience working with Dougle as our broker. As first-time homebuyers, we were nervous and unsure about the process, but Dougle guided us through every step with patience and clarity. He made sure we understood everything and always took the time to explain our options in a way that made sense. What really stood out was his fun, energetic personality — he brought a level of positivity that made the whole journey feel much less stressful. Dougle went above and beyond for us, and thanks to his support, we felt confident and excited about buying our first home. We couldn’t be happier and highly recommend him to anyone looking for a broker who truly cares and makes the process enjoyable.
We can help with Home and Investment Loans, Construction Loans, Car Loans, Personal Loans and much more. If you're looking to borrow to buy something, we can probably help.
Mortgage Brokers are there to help you find the right loan whether it be from the major banks, smaller lenders or other sources. We have a broad range of products (more than any single lender can offer) which means we can do all the legwork to find the right loan for you.
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.
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.
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.
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.
Money Sense Financial Pty Ltd ABN: 68 687 032 373. Credit Representative #569124 is authorised under Australian Credit License #232706.
Disclaimer: This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances.
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