Refinancing
Refinancing a loan can potentially save you money by securing a lower interest rate, reducing monthly payments, or accessing additional funds for financial goals.
Rated 5 from 19 Reviews
Refinancing a loan can potentially save you money by securing a lower interest rate, reducing monthly payments, or accessing additional funds for financial goals.
Rated 5 from 19 Reviews
Mortgage refinancing is your gateway to a more manageable financial future. It involves replacing your existing mortgage with a new loan, either from your current lender or a new one. The primary objective of refinancing is to secure lower interest rates, reduce your monthly payments, modify loan terms, or access the equity in your home. The refinancing process can be intricate, but at Total Loans Mortgage Brokers in Port Hedland, we're here to provide invaluable support every step of the way.
Why Refinance Your Home Loan?
Refinancing your home loan can deliver numerous advantages:
Get an estimate of your savings in less than 60 seconds
Check your Loan Health
Enlisting a Mortgage Broker makes finding the right loan product easier. We negotiate improved rates and terms, help you understand refinancing costs, and ensure you avoid potential pitfalls, all while helping you make informed decisions regarding your home loan.
Our team at Total Loans Mortgage Brokers in Port Hedland has years of experience helping Western Australian clients find the ideal refinancing solution tailored to their unique requirements. We work closely with you to:
Troy S, Busselton
BS
Broker Studio
Russell & Sharon are an excellent team to work with. Extremely responsive and with great attention to detail, they care for every outcome they are working towards. Highly recommend.
TB
Tessa Briggs
We have used Total Loans for the last 3 houses we have purchased and we couldn’t be happier with the service they provided. Russell and Sharon went above and beyond for us, making every step of the loan process seamless. Their knowledge and expertise are outstanding. We couldn’t recommend them more!
JH
Joshua Hunter
My partner and I were first home buyers completely new to the process and Russell helped us from start to finish. He presented a lot of good loan choices and answered all our questions without hassle along the way. We will definitely be recommending Total loans to family and friends in the future.
As a Licensed Finance Brokerage, with our own Australian Credit License Number: 388425. We are required to always operate with a strict code of ethics and act with honesty and integrity, comply with all the laws and regulations relating to the Mortgage Industry and maintain confidentiality in all dealings. Total Loans has membership of several major industry and governing bodies to ensure that staff keep up to date with industry standards and changes. These include: Australian Finance Group, Australia's largest mortgage wholesaler (AFG) Mortgage and Finance Association of Australia (MFAA) Australian Financial Complaints Authority (AFCA)
All Lenders have different turnaround times. The Lender you choose will depend on your situation and the urgency of your loan requirements. We will determine the loan that is right for you during our strategy session.
Your borrowing capacity can vary with each Lender. All lenders have their individual serviceability calculators to assess how much you can borrow with them. At Total Loans we have access to most lenders calculators and can provide you with information on how much you can borrow with each lender. Some of the factors that lenders consider when assessing how much you can borrow include length of employment, deposit, guarantors, suitable security, previous repayment history, current debts ie personal loans, credit card/store cards.
Mortgage brokers are often able to offer better rates by negotiating with multiple lenders, while banks only present their own offers. We provide a detailed comparison report so that you can compare the features, rates and fees of the products of various lenders, without going to each bank directly, saving you time and money. We also have access to promotions through the broker network, such as discounted, application fees and interest rates.
A mortgage broker serves as a valuable intermediary between you, the borrower and the lenders. We have over 15 years in the finance industry and use our expertise and specialized software to secure competitive rates and facilitate a smooth mortgage settlement. At Total Loans, our mission is to safeguard your interests and expertly manage the entire mortgage process, so it is stress free and easy for you.
Did you know that over 70% of loans in Australia are submitted through a Mortgage Broker? Navigating the countless mortgage products on the market can be confusing and overwhelming. A Mortgage Broker plays a pivotal role in guiding borrowers through the maze of options, explaining product features, and aiding in selecting the ideal loan for you. Beyond purchase assistance, at Total Loans we provide ongoing support, ensuring you always have access to the best financing options available.
Rylee Nominees Pty Ltd ABN: 35 737 082 292. Rylee Nominees Pty Ltd Holds Australian Credit Licence 388425.
Disclaimer: This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances. Names & Locations of users have been changed to protect their privacy and are illustrative only.
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