Rated 5 from 85 Reviews
Refinancing is an essential financial tool that can offer numerous benefits for homeowners and save you thousands on what we refer to as a 'loyalty tax'. That is, having your loan with the same lender for years while your home loan interest rate has been creeping upwards without proper review or comparison. At Savvy Home Loans, we specialise in helping clients across Brisbane and throughout Australia access loan options from banks and lenders across the country. By refinancing, you may secure a better interest rate, adjust your loan amount, or improve your financial situation. Whether you're looking to release equity in your property or change your loan term, understanding the refinancing process can be highly advantageous.
One of the primary reasons to consider refinancing is the potential to access a lower interest rate. As market conditions change, the interest rate on your current mortgage may no longer be competitive. By refinancing, you can explore better loan options available through our access to banks and lenders nationwide. This could result in reduced loan repayments, allowing you to save money over the life of your loan. Additionally, if your fixed rate period is ending, refinancing can help you lock in a new fixed interest rate or transition to a variable interest rate to suit your preferences.
Refinancing can also be an effective strategy for consolidating debts. If you have multiple debts with varying interest rates, merging them into a single loan can simplify your finances and potentially reduce the overall interest you pay. At Savvy Home Loans, we can assist you in evaluating your credit history and financial situation to determine if debt consolidation through refinancing is the right path for you.
Another compelling reason to refinance is the opportunity to release equity in your property. Releasing equity can provide you with additional funds to invest in other areas, such as purchasing your next property or making home improvements. Our streamlined application process ensures that accessing these funds is efficient and straightforward. We also help you check eligibility for special lender policies that might offer further financial benefits.
Throughout the refinancing journey, Savvy Home Loans supports you in navigating the application process with ease. We guide you in gathering essential documents like bank statements and assess your eligibility based on your financial profile. Our team’s expertise allows us to tailor solutions that meet your unique needs, ensuring you make informed decisions every step of the way.
Refinancing offers the flexibility to adjust your loan term as well. Whether you wish to extend your loan for lower monthly repayments or shorten it to pay off your debt sooner, Savvy Home Loans can help you explore these options. With access to refinance interest rates and a range of products from lenders across Australia, we provide you with choices that align with your long-term goals.
In summary, refinancing is a valuable tool that can help you improve your financial situation. By working with Savvy Home Loans, you gain access to a wide array of loan options from banks and lenders nationwide. Whether you're seeking to reduce loan repayments, release equity for future investments, or consolidate debts, our team is here to facilitate a seamless and efficient refinancing experience. Contact us today to discuss how we can assist you in achieving better financial outcomes through refinancing.
Initial Refinance Consultation
A Finance & Mortgage Broker will take the time to understand your current loan situation and discuss refinancing options available from banks and lenders across Australia. We'll guide you through the next steps of the refinancing application process, ensuring you have access Home Loan options and the most competitive refinance interest rates.
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 refinancing. We will also check eligibility for special lender policies that might benefit you.
Finalise Your Savvy Strategy
We’ll finalise your refinancing strategy and submit your application on your behalf. From there, we’ll hold your hand throughout the process, liaising directly with lenders to secure your approval and guide you smoothly through to settlement.
Settlement
During the settlement process, your existing loan will be paid off, and your new loan will be drawn down. We will assist you in understanding all associated costs, including any fees or charges related to the refinancing.
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Vicki Kerr
Savvy Home Loans made our dream come true! They understood our vision and had the knowledge and skill to make it happen. Other brokers pale into insignificance by comparison. Leanne Pon is Director of the company and a brilliant financial strategist, who is supported by an outstanding team including her son Jarrad. Our service experience was flawless. Their communication, expertise and dependability were second to none. There is no other mortgage broker I would consider using and I trust Savvy completely to look after our future needs. It was an absolute delight to engage with such an exceptional service provider. I only wish I had discovered Savvy earlier, but at least I can be grateful that I'm a Savvy client now. Thank you Leanne, Jarrad and Emma!
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Ridesofourlives
We can't thank Savvy Home Loans enough for helping us secure our first home 10yrs ago and have now helped us save thousands of dollars by us switching lenders! Their service and expertise is truly 5-star! They are professional, friendly, and always willing to go the extra mile. We've already recommended them to all our friends and family, and we’ll continue to do so! If you're looking for someone who genuinely cares and delivers results call the team at Savvy Home Loans!!
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Wendy Hand
Working with Savvy Home Loans and Emma has been an absolute pleasure. The entire process was seamless from start to finish. The platform is incredibly user-friendly, making each step simple and straightforward. Emma was fantastic to communicate with always responsive, clear, and genuinely supportive throughout the journey. What really stood out were the out-of-the-box solutions Emma brought to the table. If you're looking for a smart, stress-free way to secure a home loan, I can't recommend Savvy Home Loans and Emma highly enough!
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Mick Lindsay
Amazing! We had a tough timeline, unusual conditions, unique structure and they nailed it. Emma is efficient, friendly, great communication. Spent the last 2 days moving into our dream house, would highly recommend!
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Krystal Gray
Emma was so incredible at helping us get our finance! I can’t even begin to describe the amount of effort and dedication she put in for us. We through so many hurdles her way, but she managed to make it work in such a short time frame. All while remaining friendly and professional to deal with. No way we would of got it done without her. Thanks Emma! ☺️
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Ning Cing
The Savvy Home Loan team has been exceptionally helpful—efficient, professional, proactive, and incredibly knowledgeable. They consistently go above and beyond to secure our investment loan. We couldn’t recommend them highly enough. Leanne, Emma, Derrick, and Jarrod—it’s been a pleasure working with you. Donald and I feel very fortunate to know you and to have received your support. Well done, team!
We examine an extensive selection of financial products from banks, credit unions, and lending institutions nationwide. This enables us to review thousands of available options and ensure we consistently recommend the most suitable home loans for our clients.
We love working with first-time home buyers! Our team has comprehensive expertise in the entire home buying journey and can guide you toward securing the appropriate home loan. We're also well-versed in the various programs designed to support first-time buyers, including the First Home Owners Grant and different stamp duty exemptions that may be available.
Absolutely! We're confident in our ability to locate the most competitive interest rates for your refinancing needs, whether you're dealing with a residential home loan or an investment property loan.
Every one of our mortgage brokers maintains full accreditation and holds membership with the Mortgage and Finance Association of Australia. They demonstrate the highest level of professionalism and deliver outstanding service across various lending solutions.
Our services extend beyond home loans to include investment property loans, construction financing, vehicle loans, personal loans, and numerous other lending products. If you need financing for a purchase, we can likely provide assistance.
Mortgage brokers serve as your advocate in finding the most appropriate loan from major banks, smaller financial institutions, or alternative lending sources. We offer access to a comprehensive range of products that exceeds what any individual lender can provide, allowing us to handle all the research and comparison work to identify the perfect loan solution for your specific needs.
Savvy Home Loans Pty Ltd ABN: 37 128 927 211. Leanne Pon, Derrick Pon and Emma Klingner are authorised credit representatives under Australian Credit Licence #388758..
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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