Refinancing

If you need help refinancing your current home or investment loan and comparing hundreds of loan products (at no cost) you’ve come to the right place.

If you’re interested in refinancing your mortgage you need to consider if this is the right option for you. You must think about why it is you want to refinance, and what the costs will be to move your mortgage.

You may also like to ask yourself if your current home loan matches your needs – for example, do you use all of your loan features, or are you missing some loan features that you could really make use of?

When refinancing, consider the savings now and in the future, also find out the costs associated and do the sums. It’s important to consider the long term benefits against the actual costs of mortgage refinancing.

Better rates

The loan with the cheapest interest rate is not always the right option. In some cases, a loan with the lowest rate may actually cost you more money over the loan term. A competitive home loan will offer a combination of competitive rates, low fees and loan flexibility.

Access your equity

Many homeowners find it difficult and frustrating saving for things like holidays or renovations whilst paying off a mortgage – but it doesn’t have to be that way. Home equity loans are designed to give you access to the equity in your existing home loan via a line of credit loan.

Renovation

Renovating is a great way of adding value to your home. But like most creative projects renovating can be frustrating and stressful – that’s where PreApproveMyLoan and The Mortgage Approval Company can help in getting the right finance the first time.

Debt consolidation

Struggling to make repayments on high interest debts such as credit cards and personal loans? Debt consolidation can help reduce your monthly finance repayments, save you money on fees and charges and take control your debt by consolidating your existing loans into a new lower interest rate loan.

Managing your mortgage

Mortgage stress can affect anyone, regardless of where you live or how much your property is worth. Although interest rates do play a part in creating mortgage stress, more often than not the real cause lies with an unexpected life event; unemployment, illness, injury and relationship breakdown are some of the most common causes of mortgage stress.

Mortgage hardship

If you are experiencing temporary difficulties in meeting your mortgage repayments, you may be eligible for a hardship variation from your lender. Some common reasons behind short-term mortgage repayment problems include job loss, injury and illness.

Non-conforming home

Non-conforming home loans allow anyone who does not meet the credit criteria of mainstream lenders to secure home finance.

Happiness starts with your own home

As a first home buyer, to find a good home loan you should investigate all your home loan options and government grants and entitlements you may be eligible for. There’s a lot to consider before you take out a home loan, and PreApproveMyLoan have created a free guide to help you through the process.

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Rates from as low as:

3.64%

VARIABLE RATE

3.69%

COMPARISON RATE

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