Refinancing
Take advantage of better rates on the market and start saving
Rated 5 from 75 Reviews
Take advantage of better rates on the market and start saving
Rated 5 from 75 Reviews
Refinancing can be an excellent way to improve your financial situation, especially with the ever-changing landscape of interest rates and loan products. At Homeli Finance, based in Perth and serving clients nationwide, we specialise in helping you access loan options from banks and lenders across Australia. Whether you’re looking to take advantage of a competitive interest rate, release equity in your property, or consolidate debts, our team is here to support you through the entire process.
Refinancing involves reviewing your current loan and exploring better loan options that align with your needs. One significant reason to consider refinancing is the potential to access a lower interest rate. With access to banks and lenders nationwide, Homeli Finance can help you find a variable or fixed interest rate that reduces loan repayments and matches your financial goals. This can be particularly beneficial if your fixed rate period is ending, allowing you to reassess your loan amount and possibly reduce it.
Another key advantage of refinancing is the opportunity to release equity in your property. This can be a strategic move if you're planning to buy the next property or invest elsewhere. By refinancing, you can leverage your existing property's value to secure additional funds without undergoing a complicated application process. Our streamlined application process ensures that you can focus on making informed decisions rather than getting bogged down by paperwork.
Refinancing also provides a pathway to change your loan term or consolidate debts. Extending or shortening your loan term can significantly impact your financial situation, offering more manageable repayments or paying off your loan sooner. Additionally, consolidating debts through refinancing can simplify your finances by combining multiple debts into one manageable payment, often at a lower interest rate. This approach not only helps in reducing the number of payments but might also result in a lower overall interest rate on your consolidated debt.
Before embarking on the refinancing journey, it's crucial to consider factors such as credit history and bank statements. At Homeli Finance, we assist you in checking eligibility for special lender policies that might apply to your unique circumstances. We understand that every client has different needs, and our personalised approach ensures that you receive guidance specifically tailored to your financial situation.
Refinance interest rates are influenced by numerous factors, including market conditions and individual financial profiles. By working with Homeli Finance, you gain access to our extensive network of lenders, providing you with competitive options that suit your requirements. We’re committed to ensuring that the application process is as smooth and efficient as possible, saving you time and effort.
In summary, refinancing with Homeli Finance offers numerous benefits, including accessing a lower interest rate, releasing equity in your property, and consolidating debts. Our commitment to providing access to banks and lenders nationwide ensures that you receive the best possible advice and support throughout the refinancing process. If you're considering refinancing, contact us today to explore how we can help improve your financial situation and secure better loan options tailored to your needs.
Initial Consult
Have a chat with one of our qualified Mortgage Brokers who will understand your situation and talk you through the next steps.
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 a loan.
Pre Approval
Once you're approved, you can start bidding or making offers on properties you want to purchase.
Settlement
You settle on the property, your loan draws-down and you're good to go!
Book AppointmentRS
Reza Safari
Great service and explaining each stage of the process in detail esp for the First Home buyers.
JH
Judy Hwang
I’m so glad I chose Nancy as our finance broker. She explained everything clearly, were always quick to respond, and made sure I understood every step of the process. The loan approval went smoothly thanks to their hard work and experience. I truly appreciate her patience and professionalism. Highly recommended!
SC
Shiji Chen (Rhys)
As a first-home buyer, Nancy made getting my home loan for the first time incredibly simple and stress-free. She was recommended to me by a friend, and I would happily recommend her to others as well. Fast response time, great communication, and excellent service/referral throughout.
Homeli Finance can arrange various types of home loans to suit different circumstances and property goals. These include first home buyer loans, owner-occupier mortgages, investment property loans, construction loans for building projects, and land loans. We also arrange refinancing solutions for existing borrowers looking to switch lenders or restructure their loans. Our network includes major banks, credit unions, building societies, and specialist lenders, giving us access to diverse loan products including fixed rate, variable rate, and split loan options. We can also assist with low deposit loans, loans for self-employed borrowers, and financing solutions for unique property types that might require specialist lending approaches.
In most cases we don’t charge fees for home loan applications, the bank pays us a commission based on the settled loan amount. We will charge $990 for car and personal loans upon successfully obtaining the finance.
Homeli Finance operates as a comprehensive finance and mortgage broker, connecting clients with suitable lending solutions across Australia. We work with a network of lenders to help secure home loans, refinancing options, investment property financing, and commercial lending solutions. Our brokers assess your financial situation and match you with appropriate lenders who can meet your specific requirements. We handle the application process, liaise with lenders on your behalf, and provide ongoing support throughout the settlement process. This service saves you time researching different lenders and increases your chances of loan approval by presenting your application professionally to the right financial institutions.
Homeli Finance selects lenders based on a comprehensive analysis of your financial situation, loan requirements, and individual circumstances. We consider factors including your employment type, deposit size, intended property use, and specific needs such as offset accounts or redraw facilities. Our assessment includes comparing interest rates, fees, loan features, and lender policies to identify the most suitable options. We also consider each lender's appetite for your particular scenario - some lenders prefer certain professions or property types. Rather than simply recommending the lowest rate, we focus on finding lenders whose products align with your long-term financial goals and who are likely to approve your application. We present you with options explaining the pros and cons of each recommendation.
Yes, Homeli Finance maintains relationships with clients beyond loan settlement, providing ongoing support for your mortgage needs. We conduct periodic loan reviews to ensure your current loan remains suitable as your circumstances change, and can assist with refinancing if better options become available. Our ongoing service includes helping with loan restructures, accessing additional funds through top-up loans, and advice about investment property financing as your portfolio grows. We also assist with any issues that arise with your existing lender and can facilitate switches to different loan products within the same institution or to entirely new lenders. This continuing relationship means you have professional finance support throughout your property ownership journey, not just during the initial purchase phase.
Homeli Finance ABN: 22 669 425 218, ALL RIGHT PTY LTD ABN: 22 669 425 218. Credit Representative #527964 is authorised under Australian Credit License #384704.
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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