GET A PERSONALISED DEEP DIVE INTO
HOW COMBINING THE RIGHT MORTGAGE STRATEGY WITH THE BEST RATE WILL
SAVE YOU HUNDREDS A MONTH
GET A PERSONALISED DEEP DIVE INTO HOW
COMBINING THE RIGHT MORTGAGE STRATEGY WITH
THE BEST RATE WILL SAVE YOU HUNDREDS A MONTH
Unlock the full potential of your mortgage refinancing by scheduling a personalised
call with me. I do not charge for the call or my services. We'll delve into the specifics of the
"6 Things You Need to Consider Before Refinancing" PDF, tailoring my advice to YOUR scenario.
Your path to significant savings starts here – reserve your spot today!
Unlock the full potential of your refinancing
by scheduling a personalised call with me.
I do not charge for the call or my services.
We'll delve into the specifics of the "6 Things You
Need to Consider Before Refinancing" PDF,
tailoring my advice to YOUR scenario.
Your path to significant savings starts here
– reserve your spot today!
HERE'S WHAT YOU'LL DISCOVER
Undoubtedly, you will get some fantastic takeaways from the "6 Things You Need to Consider Before Refinancing" PDF, but how likely are you to act NOW, putting the time aside to implement the strategies I mention? DO NOT wait for interest rates to drop dramatically (this isn't gonna happen). Do yourself a favour and put aside just 15 minutes to create an ACTION PLAN!
Let's talk about...
Why the big banks are hoping you’ll be LAZY… Known as ‘Mortgage Loyalty Tax’ - doing nothing and sticking with your current lender can cost you $10,000s..
How to avoid making the same mistake that many others make… Choosing a loan option based on rate alone is shortsighted and I'll show you exactly why!
Why it's essential to have a broker on your side… It's far from unusual for a broker to be able to unlock deals that don't seem to be on the table at first sight.
Why more than 7 in 10 people are now using a broker… The market has experienced a CRAZY couple of years now and GOOD brokers are all over it.
Is It Time to Refinance Your Home?
After having your home loan for a while, it can be frustrating to find out that
there's a better option out there that could have saved you money and endless worry.
In today's competitive market, it's wise to to explore other options from
time to time simply just to make sure you're getting the best deal.
Refinancing your mortgage doesn’t need to be a complicated process
– sometimes, you don't even need to switch banks/lenders.
After having your home loan for a while, it can be frustrating to find out that there's a better option out there that could have saved you money and endless worry.
In today's competitive market, it's wise to to explore other options from time to time simply just to make sure you're getting the best deal.
Refinancing your mortgage doesn’t need to be a complicated process – sometimes, you don't even need to switch banks/lenders.
Benefits of Refinancing
There's a bit of a ‘grey area’ surrounding refinancing your mortgage, and with an everchanging market, the mortgage you took out three years ago is unlikely to be the best product for you today.
Let's look at the advantages of refinancing to help you understand what it could mean for you...
Lower Rates - While the media often creates a lot of hype around the RBA and interest rates, it's crucial to remember that lenders use different methods and channels to determine their rates.
It pays to do your homework when it comes to the various interest rates available and how you can access them.
A lower interest rate can lead to several benefits, such as lower monthly payments (more money in your pocket), a shorter mortgage duration, and reduced total interest paid.
If your circumstances change, you receive a pay raise, or get a windfall like a lottery win, you may find yourself in a position to pay off your mortgage more quickly.
Certain home loan products have restrictions in their terms and conditions that prevent you from reducing the loan term or making extra payments without penalties. In such cases, refinancing your mortgage can provide you with greater flexibility for your repayments and loan duration.
Better Features - Like having the option to make extra repayments, there are a range of other loan features available that you may previously not have had a need for, or simply weren’t aware of.
It’s worth investigating what other home loan products are out there and what features they may have that could be better suited to your current circumstances.
Offset accounts, redraw facilities, repayment holidays and loan portability are just a few of the features that exist in the home loan market that may be of benefit to you.
Debt Consolidation - Many people have personal loans or credit card debt alongside their mortgage.
In some cases, it can be a good idea to consider consolidating your debts. The primary advantage of combining your debts with your home loan is the potential to save money on your total monthly payments and reduce high interest rates, especially when it comes to unsecured loans.
Because each lender has its own rules regarding home loans and debt consolidation, you might consider refinancing specifically for this purpose.
Car loans and personal loans are financed over a shorter period than a home loan and careful
consideration should be taken before consolidating into a longer term.
When to Consider Refinaning
As previously mentioned, the highly competitive and continually changing market is a good reason to stay up to date with what products are available – to ensure you’ve got the best option.
But, here are some other reasons you might want to consider refinancing your mortgage:
You were on an introductory rate
Your circumstances have changed
You're coming to the end of a fixed term
You’re looking to do renovations
You want to buy an investment property
You are not satisfied with your current lender
You have an ageing loan
Final Words - While there may be initial expenses and possible fees linked to refinancing your mortgage, it's crucial to consider the broader perspective and take a long-term approach.
With numerous lenders and products, each having its own pros and cons, it can be overwhelming to determine the ideal mortgage for your situation. Therefore, it's advisable to seek guidance from a professional when contemplating refinancing, as they possess comprehensive knowledge of the market and are aware of the common hidden drawbacks associated with various mortgages.
DON'T JUST TAKE MY WORD FOR IT!
What others are saying...
"He walked us through the entire application, helping us to understand and learn along the way. Would highly recommend to anyone!"
- Alex Vito
"Would never go anywhere else!! Always there whenever you need him and makes everything as easy as possible!! Can’t recommend enough!!"
- Bradley Warren
"Our circumstances were complicated but Antony really helped us put our best foot forward. His direct approach meant that we knew exactly what we needed to do."
- Melissa Harding
"Antony Allan makes refinancing a breeze! 5 star service all the way look no further, a broker who knows the business backwards and has a great understanding of all things financial!"
- Derek Shukowski
"As a real estate agent Antony is by far and away the best broker I have dealt with over the years. Not only has he help me but he has also helped many other mutual clients obtain their finance."
- Mitch Smit
"Antony Allan is the best!
We have recently refinanced and choosing Antony was simply a no-brainer! Antony is always so professional and responds to you as soon as possible!"
- Michael Wilson
DON'T JUST TAKE MY WORD FOR IT!
What others are saying
"He walked us through the entire application, helping us to understand and learn along the way. Would highly recommend to anyone!"
- Alex Vito
"Would never go anywhere else!! Always there whenever you need him and makes everything as easy as possible!! Can’t recommend enough!!"
- Bradley Warren
"Our circumstances were complicated but Antony really helped us put our best foot forward. His direct approach meant that we knew exactly what we needed to do."
- Melissa Harding
"Antony Allan makes refinancing a breeze! 5 star service all the way look no further, a broker who knows the business backwards and has a great understanding of all things financial!"
- Derek Shukowski
"As a real estate agent Antony is by far and away the best broker I have dealt with over the years. Not only has he help me but he has also helped many other mutual clients obtain their finance."
- Mitch Smit
"Antony Allan is the best!
We have recently refinanced and choosing Antony was simply a no-brainer! Antony is always so professional and responds to you as soon as possible!"
- Michael Wilson
My Promise to You
If you're still wondering why you should choose a broker, let me put your mind at ease. My goal is to make
your refinancing journey as smooth and beneficial as possible. Navigating the world of refinancing alone
can be overwhelming, which is why I'm here to guide you every step of the way. With access to a wide range
of options from various lenders, I'm committed to finding the perfect solution tailored to your unique
financial situation and goals. With my in-depth understanding of the market and complex terms,
I'll secure competitive interest rates, and streamline the entire refinancing process for you. So, if you're
ready to unlock the full potential of your home loan through refinancing, I'm here and ready to help.