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Refinancing my home loan

Refinancing your home loan may seem risky. How can you be sure you’ll get a better deal somewhere else? What about the fees and charges that may apply if you refinance? Having helped thousands of Australians refinance their home loans, our expert mortgage brokers can answer any questions you may have and help you assess your current loan to see if it still meets your needs.

A 2016 survey of more than 1,000 mortgage holders showed that 45% have never refinanced their home loan, for the following reasons:

  • 29% – Didn’t think they would get a better deal.
  • 18% – Hadn’t thought about it or didn’t know where to start.
  • 17% – Thought the process would be too time consuming.

 

And of the 53% of respondents who had refinanced, the average time of refinance was over two and a half years ago.

At Resolve Finance, we recommend reviewing your existing home loan at least once every two years. If you think how much your life can change in a two year period, it makes sense that the home loan market is also changing, and that combination may mean there is now a more suitable product out there for you.

We can help you save more on your home loan

Refinancing allows you to take out a new loan to pay out your current home loan. With today’s ever-changing and competitive market, there is a comprehensive range of loan options with better rates, features and packages available. Refinancing your home loan provides you with the opportunity to save money with better interest rates, use the equity in your home, consolidate debts and access better features. If your current home loan doesn’t have the flexibility to allow you to meet your financial goals or if you feel like you’re paying too much, talk to our refinance experts at Resolve Finance.

Your Resolve Finance broker is the best person to handle this process for you. Our team in Perth and Melbourne will consider your personal situation and compare various home loan options available to find one that that may be more suitable for where you are at right now, and into the future.

With Resolve Finance, refinancing your home loan has never been easier. To find out more about your home loan options, contact us on 1300 883 292 or submit an enquiry online.

Source: http://www.mpamagazine.com.au/sections/market-talk/morning-briefing-almost-half-of-aussie-home-owners-have-never-refinanced-216237.aspx