Refinancing | Home loans Cronulla, Caringbah South & Miranda

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Refinancing your home loan

You might feel locked into your home loan - like it’s a life sentence you can’t avoid. However, the reality is that this is far from true! There’s never been a better time to think about refinancing, and a new loan could offer you benefits you’ve never even considered!

Thinking about a home renovation soon? When you refinance you can access equity you have built up and use it to fund your project. Or maybe you have several debts that you want to simplify - refinancing can help you streamline them into one easy payment. Of course, these are in addition to advantages such as gaining new features, like an offset account, and reducing your repayments.

You may be able to save more than you think just by reducing your interest rate - potentially thousands of dollars every year! That’s why it pays to speak to your local mortgage broker, Cody Hallam, regularly about your home loan. Cody can help you make an informed decision about your loan, guide you through the refinancing process, and continue to check in over the coming years. He is an expert at problem solving, and will make sure your new loan will put you out on top.

When to refinance your loan

Our recommendation is to consider refinancing your loan every few years. This ensures that you aren’t wasting your money being stuck with a loan that doesn’t suit you anymore, and prevents your interest rate from creeping up without you noticing. It’s also a good idea to consider refinancing if

Your fixed rate is about to end
Your financial circumstances have changed recently
You are unhappy with your current lender
Or you just want a better deal!

Cody will help assess whether the time is right for you to refinance and can even offer you a free review of your home loan - just get in touch with him today to book your appointment.