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Benjamin Hassett

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Refinancing your home loan | Branxton, Hunter Valley & Cessnock

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Refinance your home loan | Top rated Mortgage Broker Branxton & Hunter Valley

As a growing number of customers roll off fixed home loan interest rates in the coming months, there are a number of different approaches that homeowners can take. Refinancing your home loan is a sensible option that can come with a multitude of benefits, such as:

  • A lower rate or more appropriate features
  • Saving on interest repayments
  • Consolidation of your debts
  • Accessing equity for other personal and financial goals
  • Utilising an offset account to decrease the loan balance on which interest is calculated.

You may also like to change your repayments to weekly as interest is calculated daily, increase your loan repayments above the minimum to create a buffer as interest rates increase and revise your current spending habits and unused memberships.

If you would like to be in the best possible financial position once you come off of the fixed rate, don't hesitate to book an appointment with me.

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When should you get a home loan health check?

Given the current market, it's important that you check your home loan regularly to ensure you're still getting a competitive rate. It's the right time to check your home loan if:

  • You haven't reviewed your home loan in the past 2 years
  • You need to do some renovations
  • You want to use equity from your house to invest in another property
  • You want to save more every month on your repayments

Ready to find out more? Compare your interest rate with our handy home loan calculators here!

Switch to a different lender

If you do decide to take advantage of a lower rate and switch to a variable-rate mortgage, you need to understand the risk that comes with the possibility of rates rising in the future. We’ll evaluate and compare your home loan with hundreds of others by taking into account rates, fees and features to check that you have the loan that’s right for you.

Even if you’re not ready to refinance right now, it makes sense to have an annual check-up to make sure your loan still meets your needs.

As your Mortgage Choice broker in the Hunter Valley, Ben and his team will let you know just how you stand and can guide you in the right direction. 

Compared to going directly with a bank, our brokers are able to understand your financial situation and find the right home loan for you by comparing thousands of loans across multiple lenders and are not limited to the offerings of just one lender.

Contact Ben Hassett and his team today on 02 4009 4009 to discuss your options.

If you would like a free home loan health check, reach out to Ben and his team on 02 4009 4009. 

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