Refinancing
my mortgage
have more to spend on what you enjoy.
Curious if you could be paying less on your home loan?
Many see their home loan as a one-time decision, but what if tweaking it could leave more cash in your hand each month? By refinancing my mortgage, you can benefit from lower rates and reduced fees. This strategy can also consolidate your debts, such as credit cards and personal loans, further lowering your expenses. Better-featured mortgages might even accelerate your home loan repayment.
This means extra funds for enjoying life now and in the future.
Refinancing might seem daunting, but at Mortgage Innovations, we streamline the process. We start by using advanced software to quickly determine potential savings. Next, we match you with the ideal loan and rate from our broad selection of over 40 lenders and 1,000 loan possibilities.
Refinance my mortgage
Save effortlessly with a team dedicated to finding you the best deals available.
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Effortless and smooth
Our team makes refinancing my mortgage enjoyable, answering all your questions.
PREMIER BROKERAGE
Elite broker status ensures lower rates and faster times when refinancing my mortgage.
How everyday Aussies can save on their mortgage
Getting ready for approval
Prepare to refinance your home loan with expert guidance. Over 15+ years, we've perfected strategies to boost your approval odds.
When refinancing my mortgage, you will need to:
- Understand key financial metrics: your income, everyday expenses, and spending habits, including leisure activities. Consider potential refinancing costs and the impact of mortgage insurance if switching lenders.
- Be aware of your loan's interest rates, especially if transitioning from fixed to variable rates, and maintain timely repayments to keep your credit score and showcase reliability to lenders.
- Get paperwork ready in advance: current mortgage 6 month statement, recent lease agreement or rental statement on investment properties, recent rates notices, recent payslips/financials and tax return/summary.
- Show your home’s full value for accurate valuation, prepare it as if you were going to sell it, this is crucial for refinancing.
- Our professional team, backed by excellent reviews, is here to simplify your journey, ensuring you find the best loan options tailored to your needs.
HOW TO REFINANCE MY MORTGAGE
THE PROCESS EXPLAINED
SEARCHING TO REFINANCE MY MORTGAGE?
- Tailor the perfect refinance option for your unique situation
- Maximize your time efficiency
- Boost your approval odds
- Simplify the entire process for you
- Provide unwavering support from start to finish
Let's connect
Engage in a brief, no-cost consultation call with our approachable team to get your queries addressed. We value your time and will quickly ascertain how we can assist you. Click here to schedule your complimentary consultation and we’ll reach out promptly.
Pre-consultation preparation
To speed up your journey, we'll perform preliminary lender and loan research tailored to your requirements before our meeting. Our discussion will then delve into your specific circumstances and objectives to identify the most suitable solution to refinance my mortgage.
Securing the ideal loan
Our expertise shines as we meticulously select the optimal loan product from our extensive lender network tailored to your needs.
Loan Confirmation
You'll receive comprehensive details about the proposed loan(s), ensuring you're well-informed to make your decision. Our dedicated team remains on hand to field any inquiries.
Application Process
Benefit from our Elite Broker status, ensuring a swift application process. We'll keep you informed throughout and notify you immediately upon approval.
Loan Documentation
Upon loan approval, we'll guide you through the documentation, assisting with any required witnessing services directly in our office to streamline the process.
Seamless Settlement
We facilitate a smooth settlement by coordinating with your bank and solicitor, ensuring a hassle-free conclusion.
Your journey to refinancing begins with a conversation with our team. We promise a straightforward assessment of your loan eligibility without wasting your time.
Calculators
Understanding your finances is crucial; explore our top calculators or view all 11 on our Calculators page, essential for refinancing my mortgage.
Case Studies
Sarah wanted to refinance her $400,000 home loan but had a year left on her fixed rate. Her bank quoted a $1,000 break fee, plus $500 to close the loan.
Luckily, we connected her with a lender offering $2,000 cash back and a 0.5% rate reduction, covering all refinancing costs and adding $500 to her offset account for a holiday. This lower rate also saved her $1,000 annually on interest.
Discover more success stories, like a young couple reducing their payments by over $1000 monthly and Darren & Marion, who cut their rate by 1.6% saving thousands, by visiting our blog. Explore how refinancing my mortgage can significantly lower your expenses and save you money. Our service is free, and unlike banks, we have access to over 40 lenders to be able to find the perfect fit for you.
Why should you refinance?
Refinancing my mortgage can save you money in the present moment and in the long term. Choosing the right refinance loan can save you with:
- A lower interest rate
- Lower fees
- Consolidating your debts, which can avoid you paying higher interest rates on credit cards and personal loans
- A restructured home loan to help you pay off your loan sooner
We make refinancing easy, we’ll let you know if you can save with an alternative loan and help you choose the right loan product for you.
Discover your
financial potencial
Estimate your future repayments if you refinance my mortgage, determine your borrowing capacity, and identify potential savings with our complimentary calculators. Alternatively, opt for a no-cost consultation for personalized answers to your refinancing queries.