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Refinancing my home loan

Why refinance?

There are a number of good reasons to look at your options for refinancing.

Refinancing can help you:

 

Secure a better interest rate

If interest rates have dropped since you last looked at your home loan, refinancing could save you money on your monthly repayments.

 

Switch between fixed and variable rates

If you’re looking for stability of interest rates and repayments, or you think rates are going to rise, switching to a fixed rate home loan might be your best option. On the other hand, you may want to make the most of a low variable rate for now and reconsider your options if the market changes.

 

Access different loan features

As your needs change, the features you require of your home loan might change too. For example, if you are in a position to make extra repayments when you can, or you need to take a break from repayments to cover career changes or parental leave, you may need to switch to a home loan that allows you flexible payment options. Or you may wish to have a home loan with an offset account or emergency redraw facility for when you need cash in an emergency. Think about your needs, and we’ll help you refinance to meet them.

 

Utilise the equity in your home

Accessing the equity in your home can be a smart way to finance your lifestyle or business. Refinancing to access your equity may allow you to:

  • Secure a new loan for an investment.
  • Undertake renovations.
  • Take a holiday.
  • Plan a wedding.
  • Purchase a car.

 

Consolidate debt

Refinancing may give you a chance to consolidate your debts, some of which (like credit card debt) may be at a higher interest rate than your home loan. Consolidate to reduce your monthly repayments on these loans and free up some of your income.