HOME LOANS
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Refinancing
Refinance Wizard can help by:
- listening to you and discussing solutions that best fits your needs
- managing the paperwork, you may hate it but its what we do, we love it!
- Liaising with lenders
- Reviewing your current loan and comparing it to the current market.
- Your bank manager is counting on you being complacent!
Give us a call, our service doesn’t cost you but could save you thousands!
First Home Buyer
At Refinance Wizard we don’t only do refinances we have helped 100’s of First Home Buyers Loan enter the property market. Being a first home buyer once ourselves we understand that it can be confusing and stressful, so we try to alleviate some of that stress by helping you with your finance. We get it, real estate agents and lenders can have their own jargon and processes that sometimes don’t make sense so let us navigate the home loan maze for you. Our clients return over and over again, whether they are refinancing, purchasing another property, buying an investment, so we must be doing something right. Give us a call and let Refinance Wizard help you purchase your first home too.
The team at Refinance Wizard will:
- Explain the types of loans, products and loan structures to you
- Discuss your wants and needs in a home loan
- Handle the paperwork on your behalf
- Liaise with lenders and other parties on your behalf
- Get you a pre-approval!
- Lets have a chat about what comes next.
First Home Owner government grants are available and you may be eligible. So lets have a chat!
Investment Property Loans
We will do this by:
- assessing your situation
- Discuss what you are looking for in a loan product
- Advise on the best loan structure
- Provide ongoing, periodic reviews.
- Find you the best deal!
Upgrading To Another Property
So you want to purchase another home. This could be for a multitude of different reasons, you just had another child and need more bedrooms, you want to move closer to work, you are moving to another state, whatever the reason we at Refinance Wizard can help with a pre-approved Home Loan For House Repair so that you can negotiate on properties with confidence.
We will help you with your upgrade by:
- Providing you with scenarios based on what you are hoping to do
- Providing a breakdown of your proposed purchase
- Research the best deal from our panel of over 40 lenders
- Handle all the paperwork for you and liaise with lenders
Remember that our service is at no cost to you our client. So lets have a chat!
Debt Consolidation/Equity Release
- Providing loan product guidance
- Loan breakdown and your borrowing capacity
- Repayment calculations
- We handle the boring paperwork
- Discussing what loan structure best suits your needs
- We can help!
Stop dreaming about how good your life could be if you consolidated your debt or had the money for that holiday, do it, give us a call!
Renovations
The team at Refinance Wizard help you by:
- Working out how much equity you have in your home
- Discussing your renovation and what is important to you in a lender
- Providing a breakdown of what a loan would look like
- Researching the best deals available to you from over 40 lenders
- Handle the paperwork and liaise with the lenders
- Get you approved!
Lets get your dreams realised and fund that much needed renovation so that you can get on with enjoying your new space!
Understanding Mortgage Loan Interest Rates
Home loan applicants must comprehend interest rates. The cost of your loan and monthly payments depends on these rates. Staying Current home loan interest rates is crucial for making an informed decision.
Mortgage interest rates are more than numbers—they affect home affordability. A lower rate means reduced monthly payments and less money paid over the life of the loan. Conversely, higher rates can significantly increase the cost of your home over time.
How to Get the Best Rates
Securing the best interest rates on home loans requires a mix of timing, creditworthiness, and market knowledge. Maintaining a good credit score, having a stable income, and understanding market trends can position you favourably for lower rates. It would be best if you also compared lender offerings to find the best bargain.
Current Trends in Home Loan Interest Rates
Many variables, such as economic circumstances, central bank measures, and market dynamics, determine the prevailing mortgage interest rates. Remaining informed about these trends is crucial for strategically scheduling your loan application to get the most favourable interest rates.