Whether you are looking to switch loans for access to new features or to simplify features, we can help you find and secure a competitive loan option.
Contact our team for more information or to schedule an appointment.
Getting a better deal on your loan
After settling a home loan, we find that borrowers repayments become a ‘set-and-forget’ process, as they know they can afford them.
However, many borrowers are potentially costing themselves thousands of dollars a year by not refinancing their loan. Why? Because every borrower’s situation changes over time.
By not regularly checking in on your mortgage, you could be paying too much and not have the features that suit you best. Get in touch today to learn more.
Reasons why you may refinance:
Your life has changed
If you have had your home loan for a few years now, it’s safe to say your life has changed in that time. You may have started a new job, received a promotion, or gone through significant life changes such as getting married or having your first child.
Equally, you might be near the end of a fixed rate term or interest only period, so, now would be a great time to find out what your loan options are.
Overall, refinancing your loan will allow you to ensure your home loan is in line with your current needs and finance goals.
You want to pay off your loan faster
As your life changes and finances become stronger, you might want to contribute more towards your home loan and get out of debt sooner.
You might also be able to structure your home loan and get more out of it by accessing features such as a redraw facility or an offset account. By paying your salary into an offset account, you can reduce the interest you pay on your mortgage each month. A redraw facility allows you to access any additional repayments you have made on your loan.
Alternatively, you could also switch to a simpler home loan with less features if you no longer require all of your current features.
Contact Us
Our team will help you search, choose and settle your loan. Chat to one of our loan specialists at a time that suits you.
General Enquiries
0411 667 150
Email
paul@surf-financial.com
