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1300 969 602

accounts@evermorefg.com.au

Suite 123, Level 4, 97 Boundary Street, West End QLD 4101

  • ABN 38 679 564 071
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  • AFCA 120450

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Refinancing

Things in life change - and that includes interest rates, your circumstances and goals. When they do, it could be time for your home loan to change too.

It's a way you could potentially save money, trim your mortgage and ultimately, get a better deal. You don't have to go it alone — we'll do the legwork.

Structure First. Strategy Always. Finance With Purpose.

Why refinance?

There are many reasons why people choose to refinance. Lenders rarely reward customers for being loyal, so it's a good idea to regularly check to see if there is a better-suited loan for you.

Interest rates change

Interest rates regularly change. If your variable or fixed rate is due to expire, you may be able to negotiate a lower rate with your lender, or find one that will.

More bells, better whistles

Not all home loans are packaged equal. Switching to a loan that allows extra repayments, an offset account or redraw facility can help you pay less over the life of the loan.

Debt consolidation

If you have multiple debts, such as a personal loan, car loan or credit card, you may be able to roll them into your home loan. This consolidates your debt to one repayment and could save you in interest.

Free up money for your projects

Whether you're planning a renovation, need to upgrade your car or have another project in mind, if you have grown equity in your home, you may be able to refinance to access more money to fund it.

How to refinance

  1. 01

    Check in

    We'll take the time to understand your circumstances and goals and review your current mortgage, including any exit fees or additional costs.

  2. 02

    Your shortlist

    Next, we compare your loan with others offered by over 90+ lenders to see if you could be better off somewhere else. You will receive a shortlist of our recommendations, which may include renegotiating with your current lender.

  3. 03

    Take action

    When you've made an educated decision, it's go time. We do the legwork for you from application to settlement. We then regularly check in to make sure your loan is still working hard for you.

Let's Talk Numbers

How do the numbers stack up between your loan and another? Get in touch — we'll walk you through the numbers.

How much could I save by switching loans?

How do the numbers stack up between your loan and another? Reach out and we can run the numbers for you. We always factor in any costs involved to weigh up the overall benefit.

How much can I borrow?

Want to understand your borrowing power after refinancing? Reach out and we can run the numbers for you. We always factor in your income, expenses and goals to weigh up the overall picture.

FAQs about refinancing

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