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It may seem difficult to know exactly when to refinance your mortgage, especially as the home loan market is constantly changing. But one change for the better is the increase in mortgage refinance companies offering new products, with more competitive offers and better payment terms. It’s very likely that the mortgage market isn’t the only thing that’s changed since you first negotiated your current home loan either.
Your circumstances have most likely changed too. Maybe you’re looking to renovate the kitchen, or make room for a baby? Perhaps you have a new partner, or your financial situation has simply changed for better or for worse and you’re thinking of refinancing to lower your monthly payments, consolidate debts or access the equity in your home. Maybe you’re looking to buy an investment property, or you just want to pay off your mortgage sooner? There are many reasons to consider refinancing, but there is no better time to refinance than now.
Home loan credit rates are generally significantly lower than other forms of credit, so you can save money by consolidating credit card debts and personal loans into your mortgage. This way, you can use this money to pay for an unexpected expense or renovate to add value to your home. At the very least, you can use the money saved to reduce your overall debt much faster.
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With a range of specialised products and lenders, we can help you, no matter your situation.
Guardian National Mortgage has helped thousands of Australians get a better home loan. Our Home Loan specialists match customers with the right loan and help you get approved faster.
Refinancing can seem daunting to begin with, but Guardian National Mortgage are here to guide you through the process. We will make sure that we understand your current situation, lifestyle, and your financial objectives so we can get you the best mortgage refinance rates as well as the right terms and features.
Reasons to Refinance:
Our decision is not all about your credit history, good or bad. There’s a whole bunch of other things we look at. Instead of simply ticking boxes, like most, we like to get a bigger picture of you. And we won’t make any notes on your credit file without your okay.
If you’re wondering how to refinance your mortgage, rest assured the process is simple. We help you choose the right type of loan for you, finding out your situation and comparing loans from a variety of lenders to provide you with all the information you need to make the right decision for you.
Even if you have bad credit or limited documentation, we will look for ways to get you approved with one of our many lenders who specialise in bad credit refinancing. With access to a large range of policies and products, we select the most appropriate refinancing solutions for you. We do this while keeping your best interests at heart, helping you improve your financial position and better manage your money matters, now and long-term.
how you make a living, full-time, part-time, casual, or run your own business ?
your assets, do you own a home or investment property or have you saved a deposit ?
your liabilities, do you have a mortgage, car payments or credit card debt? Do you have a business debt or ATO debt? What are your living expenses ?
your credit history, do you have any defaults, missed loan repayments or missed bills ? Even if any of these things are complicated in any way, we’ll do our best to help.