Home Loan and Refinance FAQ
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Home Loan and Refinance FAQ
 

Why should I consider refinance?

Save some money on your mortgage;
Obtain access to funds for home renovation
Consolidate other debts at a cheaper rate;
Access to funds for investment purposes;
Reduce your monthly repayments.


How Much can I Borrow?

The amount that you are able to borrow will depend on your income, your existing financial obligations, your credit history as well as the lender that you apply to.

Most lenders have their own calculators that they will use to pre-qualify an applicant for a home loan. The cheaper is the loan you are applying for the larger is the amount that you should be able to borrow on your income.

I currently have a fixed mortgage with a bank – can I still refinance?

You can refinance from both fixed and variable home loans, however quite often refinancing from a fixed mortgage involves substantial exit fees. We can certainly assist but recommend that you first contact your current lender to confirm what it will cost you to leave them.

How do I apply for a home loan through BestHomeLoansAU?

All you need to do is complete a short enquiry form. From there you will be contacted by your local mortgage specialist who will discuss with you your financial position and loan requirements and help you to identify the Best Home Loan for you.

Our Mortgage Specialist will take you through the loan application process, assist with collection of supporting documents and completion of the required forms.

Depending on time of year and lender backlogs, you could have your new mortgage settled within a few weeks of application.