Refinancing
At Capitalise Money, we're Finance & Mortgage Brokers helping clients Australia-wide refinance their Home Loan or Investment Loan
Rated 5 from 4 Reviews
At Capitalise Money, we're Finance & Mortgage Brokers helping clients Australia-wide refinance their Home Loan or Investment Loan
Rated 5 from 4 Reviews
Refinancing your loan is the top strategy adopted by many of our clients to diminish the interest payments on their Home Loan or Investment Loans. Whether you're transitioning from a fixed-rate period or are on a variable rate, it's likely there are preferable Home Loan or Investment Loan options available. With our comprehensive access to thousands of loan products from an array of Australian lenders, including major banks, credit unions, and building societies, we're well-placed to identify a more advantageous loan for you. As properties tend to increase in value over time, this appreciation may enable you to leverage the increased equity for a larger loan. The supplementary funds garnered could be allocated towards various endeavours, including home improvements, consolidating debts, or investment opportunities.Refinancing also presents an opportunity to amalgamate multiple loans into a singular, more manageable loan, potentially curtailing the total interest expenses. We’re committed to assisting you in navigating the intricacies of any break-costs or exit fees linked with your existing loan, ensuring a clear comparison of the genuine savings from refinancing. As esteemed members of the Mortgage and Finance Association of Australia, serving a wide array of clients throughout Australia, we're equipped with the know-how and proficiency to assist you in navigating the refinancing process efficiently, helping you make the most informed decision.
Your Fixed-Rate Period is Approaching its ConclusionWhen you've secured a fixed-rate mortgage, typically lasting from one to five years, you're in a phase of predictability with your repayments. However, as this period draws to a close, your mortgage will transition to a variable interest rate. This shift could significantly affect your monthly outgoings, depending on interest rate fluctuations since you initially fixed your mortgage. If interest rates have risen, you may face higher repayments; conversely, if they've decreased, you could benefit from lower rates. As the end of your fixed term nears, engaging with a mortgage broker like Capitalise Money is a wise move. They can assist in navigating your best course of action—be that remaining with your current lender, securing a new fixed-rate mortgage, or exploring alternative lenders—to align with your financial aspirations.Leveraging Your Property's EquityFor Australians looking to purchase another property, invest in real estate, undertake renovations, or cover a significant expense, tapping into your home's equity through refinancing could be a viable route. However, while you may have amassed considerable equity, accessing the full amount isn't guaranteed. To understand how much equity you can utilise, Capitalise Money is on hand to assist.Adjusting Your Loan TermAltering the duration of your mortgage is another consideration, potentially driven by changes in income. If you're in a position to manage higher repayments, opting for a shortened loan term could reduce the total interest paid over time. Yet, it's crucial to evaluate whether these increased payments would remain manageable under fluctuating interest rates or a decrease in income. Conversely, extending your loan term can ease your monthly financial burden but will incur higher interest costs overall.Consolidating Your DebtsFor those juggling various debts, merging them into a single loan by refinancing your mortgage may streamline your financial commitments and potentially secure a more favourable interest rate. Known as debt consolidation, this strategy could accelerate your journey to becoming debt-free, whether contending with credit cards or personal loans. However, debt consolidation should only be pursued after careful consideration of its suitability for your financial scenario. Ensuring the closure of old accounts and the elimination of credit cards is crucial to avoid recurring debt cycles.
Initial ConsultHave a chat with one of our qualified Mortgage Brokers who will understand your situation and talk you through the next steps. Fact FindWe'll work with you to understand a bit more about your situation (including your financials, assets etc.) to make sure you will qualify for a loan. Pre ApprovalOnce you're approved, you can start bidding or making offers on properties you want to purchase. SettlementYou settle on the property, your loan draws-down and you're good to go!
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Sam - Hills Building Maintenance
I’ve been using my mortgage broker for almost 20 years who couldn’t get my recent loan across the line. I was referred to use Trent who was able to get me an approval using his contacts within the industry. His knowledge is excellent and his service was f
CM
Callum McKenzie
Trent provided exceptional service throughout my construction loan process, demonstrating expertise and making it stress free.
DR
Daniel Russo
Trent's dedication and knowledge was apparent in his attention to detail and proactive communication. He went above and beyond to ensure we understood all aspects of the loan, from interest rates to repayment options, empowering us to make informed decisi
Mortgage Brokers are there to help you find the right loan whether it be from the major banks, smaller lenders or other sources. We have a broad range of products (more than any single lender can offer) which means we can do all the legwork to find the right loan for you.
We take look at a wide range of products available from Banks, Credit Unions & other lenders across the country. This means we can search thousands of products and make sure we're always recommending the best Home Loans for our clients.
Of course! We believe that we can find the best interest rate for you to refinance to, whether it's a Home Loan or Investment Loan.
We can help with Home and Investment Loans, Construction Loans, Car Loans, Personal Loans and much more. If you're looking to borrow to buy something, we can probably help.
We love helping First Home Buyers! We're experts at the entire process and can help you get the right Home Loan. We're also across the various schemes to help First Home Buyers such as the First Home Owners Grant and the various stamp duty exemptions available.
All of our Mortgage Brokers are accredited and members of the Mortgage and Finance Association of Australia. They are extremely professional and provide exceptional service across a range of lending options.
903/50 Clarence Street, Sydney
805/220 Collins Street, Melbourne
202/37 Barrack Street, Perth
9/204 Alice Street, Brisbane
Capitalise Money Pty Ltd ABN: 61 672 778 479. Capitalise Money Credit Representative #558256 and Trent Jollow Credit Representative #558257 are authorised under Australian Credit License #389658.
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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