Refinancing | Mortgage Broker Camden, Harrington Park & Gregory Hills

Whether interest rates have dropped, your finances have changed or you want to access equity, refinancing can be a smart financial move that supports your next goal - whatever it might be. With access to more than 35 lenders, I can act as your advocate and shop around for a better deal. 

How does refinancing work?

When you refinance, you replace your current home loan with a new one, ideally with a lower interest rate or better terms. Refinancing as an existing homeowner can likely give you access to loan features or rate specials that you didn't have access to when you first settled your home loan.

Essentially, you're taking out a new loan to pay off the old one, which can open up a world of financial possibilities. As your local Mortgage Broker in Camden & across the Macarthur region, I'm here to help you find a better deal.

The benefits of refinancing:

• Lower your interest rate: Take advantage of lower interest rates to reduce your monthly repayments and the overall cost of the loan. You could put the savings towards paying off your home loan faster.
• Reduce your loan term: Pay off your home loan faster by shortening your loan term, potentially saving thousands in interest.
• Access equity: Tap into the equity you've built up in your home to fund renovations, invest in property or achieve other exciting goals.
• Consolidate debt: Simplify your finances by consolidating high-interest debts into your home loan. You could save money on interest and make your life a whole lot easier. Find out more about debt consolidation.

My free home loan review service

As a Mortgage Choice Broker in Camden, I offer a free home loan review service to make sure homeowners aren't paying more than they need to be. Here's what's included:

• Understanding what you need:

Refinancing isn't a one-size-fits-all approach and each client has their own set of goals. I spend some time chatting through your goals and current finances, to see what our next steps would be. I have a look at your current loan and will be able to determine pretty quickly if it's still competitive.

• Loan comparison and negotiation:

I then take your loan to our panel of 35+ lender partners to see if any other lenders would like to offer you a better deal. I will negotiate with them directly on your behalf to make sure we receive their best offer. And, I don't forget about your current lender either! I'll let them know we're considering refinancing to see what they offer to stay.

• Discussion and application:

It's then up to you to make a decision about what you want to do. I'll take you through each offer available, and what savings each new loan will offer you. We can compare that to what your current lender is offering to see if you want to make the move. If you do, I will manage the entire refinance process on your behalf.