Рефинансирование кредита ВТБ банка, перекредитование потребительских кредитов других банков

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  Рефинансирование кредитов в ВТБ банке в Туле в 2020

  Ставкаот 7.5 % Суммадо 5 000 000 Срокдо 7 лет Условия Требования и документы Ставки по кредиту Ставка, % Сумма, Срок Документы Условия Ставка, % 7.9 — 10.9 Сумма, Срок 6 месяцев — 5 лет Документы Справка по форм. банка 2-НДФЛ Условия Личное страхование Без залога Ставка, % 11.9 — 15.9 Сумма, Срок 6 месяцев — 5 лет Документы Справка по форм. банка 2-НДФЛ Условия Без залога Ставка, % 7.5 — 10.9 Сумма, Срок 6 месяцев — 7 лет Документы Без справки о доходах Условия Личное страхование Без залога Для клиента банка Документы Паспорт Документы по рефинансируемому кредиту Требования Возраст: от 21 до 70 лет Стаж на последнем месте: от 6 месяцев Общий стаж: от 12 месяцев Регистрация: Постоянная Гражданство РФ: Требуется

  Ставкаот 7.5 % Суммадо 5 000 000 Срокдо 7 лет Условия Требования и документы Ставки по кредиту Ставка, % Сумма, Срок Документы Условия Ставка, % 7.5 — 10.9 Сумма, Срок 6 месяцев — 7 лет Документы Без справки о доходах Условия Личное страхование Без залога Для клиента банка Ставка, % 11.5 — 15.9 Сумма, Срок 6 месяцев — 7 лет Документы Без справки о доходах Условия Без залога Для клиента банка Ставка, % 7.9 — 10.9 Сумма, Срок 6 месяцев — 5 лет Документы Справка по форм. банка 2-НДФЛ Условия Личное страхование Без залога Описание Сниженная ставка — для тех, кто активно пользуется кредитной Мультикартой с опцией «Заёмщик». Допускается просрочка 1 платежа раз в полгода без вреда для кредитной истории, до даты платежа нужно позвонить в банк. Для зарплатных клиентов оформление возможно только по паспорту и СНИЛС. Документы Паспорт Справка о доходах СНИЛС Требования Возраст: от 21 до 70 лет Стаж на последнем месте: от 12 месяцев Общий стаж: от 12 месяцев Регистрация: Постоянная Гражданство РФ: Требуется

  В чем подвох рефинансирования кредита в ВТБ

  Практически все банки предлагают своим клиентам услугу рефинансирования кредита, в том числе и ВТБ. С помощью этой программы можно переоформить имеющуюся ссуду под более низкий процент и снизить ежемесячный платеж. Однако прежде чем подать заявку на перекредитование, нужно тщательно просчитать выгодность этой затеи. В чем подвох услуги рефинансирования кредитов в банке ВТБ и стоит ли ею пользоваться, разберем в нашей статье.

  Выгодна ли программа рефинансирования?

  Программа рефинансирования предназначена для закрытия имеющихся у человека займов. К примеру, у него уже оформлен кредитный договор в другом банке, но ему предложили более выгодную процентную ставку. У заемщика есть полное право получить новый целевой заем с целью покрытия старого. После погашения первичной задолженности клиент остается должен банку ВТБ, но уже меньшую сумму за счет снижения процентной переплаты. Чем выгодно рефинансирование для банковского клиента?

  • Снижается процентная ставка, а значит, ежемесячный платеж и общая переплата по процентам.
  • Уменьшается кредитная нагрузка на клиента, который теперь отдает банку меньшую сумму. Иногда размер выплаты снижается даже в два раза, если заемщик решает продлить срок кредита.
  • Можно изменить период выплаты задолженности.

  Важно! При уменьшении срока кредитования ваш платеж станет больше.

  • Есть возможность сменить валюту займа. Если вы взяли кредит в евро или долларах, после рефинансирования ваш ежемесячный взнос не будет зависеть от колебаний валютного курса.
  • Можно объединить несколько кредитов в один. Вам не придется запоминать дату и размер платежа по каждому из них, теперь нужно вносить единственный взнос.
  • При наличии залога квартиру или машину можно освободить от обременения. После этого вам будет разрешено совершать сделки с имуществом.

  Несмотря на очевидные плюсы программы рефинансирования, оформлять новый заем нужно после того, как все тщательно просчитали. Вам нужно обратить внимание на размер новой процентной ставки, наличие дополнительных платежей, сумму ежемесячного взноса и прочие важные детали выплаты кредита. Если сумма долга велика, есть смысл снижать ставку на 2-3%, в отношении небольших потребительских займов ощутимым будет уменьшение процента на 4-5 пунктов.

  В чем подвох?

  У любой банковской программы есть подводные камни, которые необходимо учитывать при ее оформлении. Есть они и у кредита на рефинансирование.

  1. Если сумма и срок выплаты открытого займа невелики, нет никакого смысла его рефинансировать. Переплата снизится ненамного, вы потеряете больше времени и сил на оформление нового кредита.
  2. Чтобы получить выгоду, следует рефинансировать займы, взятые на срок от 2 лет. Особенно ощутима разница при перекредитовании ипотеки и автокредита, оформленных на длительное время.
  3. Если вы решили рефинансировать ипотеку, имейте в виду, что в период переоформления залога на нового кредитора ваша ставка будет выше. На этот момент ссуда остается без обеспечения, поэтому банк компенсирует свои риски, повышая процент.

  Могут возникнуть дополнительные комиссии и сборы, поэтому внимательно прочитайте условия кредитования перед подписанием договора.

  Имейте в виду, что рефинансирование сопряжено со сбором большого пакета документов, особенно если дело касается ипотечного займа. Если в итоге вас не устроят условия кредитования, вы просто зря потратите время. Прежде всего рассчитайте плюсы и минусы нового займа или попросите сделать это банковского менеджера.

  Какой смысл ВТБ этим заниматься?

  Кажется, для чего банку выдавать кредиты под низкий процент? Но для него есть очевидная выгода – привлечение новых ответственных заемщиков, которые могут стать постоянными клиентами. Именно по этой причине кредиторы одобряют заявки только тех заявителей, кто не допускает просроченных платежей. Так улучшается качество кредитного портфеля, а банк получает прибыль от процентов по новому займу.

  Таким образом, рефинансирование привлекательно и для кредитора, и для заемщика. Однако не стоит забывать о подводных камнях нового кредитного договора, поэтому внимательно читайте его текст перед подписанием. Если у вас возникли вопросы, обязательно задайте их кредитному менеджеру ВТБ, выясните все плюсы и минусы перехода в этот банк.

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  90004 90007 90004 90007 90004 90007 90004 90007.90000 Refinance A Specialist Home Loan 90001

  90002 error 90003
  90004 90005 Note: 90006 Due to the COVID-19 pandemic, lending criteria have changed. Please contact us for more details. 90007

  90004 90009 Have a credit problem and can not get a bank to accept your home loan application? 90010 90007
  90004 A bad credit home loan is a short term solution offered by specialist or non-conforming lenders. 90007
  90004 When you’re eligible to refinance your loan, you can switch back to a major lender and get a cheaper interest rate.90007
  90004 Please call our mortgage brokers at 90005 1300 889 743 90006 or fill in our online enquiry form to see if you should refinance your home loan during the COVID-19 pandemic. 90007
  90020 Am I eligible to refinance back to a bank? 90021
  90004 You are eligible to refinance out of a non-conforming loan once you meet standard bank criteria. This generally means that: 90007
  90024
  90025 You owe 80% or less of your property’s value (up to 90% can possibly be considered). 90026
  90025 All of your defaults are paid and are no longer showing on your credit file.90026
  90025 You have full income evidence (low doc loans may be available in some cases). 90026
  90025 You have made all of your repayments on time in the last 6 months. 90026
  90033
  90004 Please call us on 90005 1300 889 743 90006 or enquire online to speak to one of our specialist mortgage brokers who can help you to work out which lenders will accept your loan. 90007
  90020 What if I am ineligible? 90021
  90004 Not everybody is eligible to refinance straight to a bank loan, in these situations we usually refinance to a cheaper specialist loan before refinancing to a major lender.90007
  90004 We use this option if you have serious problems with your credit file, such as paid defaults, that are going to remain in place for many years. 90007
  90004 We will calculate if it is worthwhile for you to refinance or if it is better for you to wait for your credit history to be completely clear before refinancing to a prime lender. 90007
  90046
  90020 Why should I refinance? 90021
  90004 Non conforming loans, bad credit home loans, and in particular private loans, have much higher interest rates than normal bank loans.90007
  90004 By refinancing you can either reduce your repayments or you can continue to make the higher repayments and save even more off your mortgage, for example: 90007
  90024
  90025 If you have a loan of $ 500,000 at a rate of 8% then you are paying $ 3,689 per month whereas on a rate of 6% you would pay only $ 2,998 per month! 90026
  90025 Over 30 years the difference between the two loans is a whopping $ 248,785 in interest! 90026
  90033
  90004 This is why specialist lenders are designed to be a short term solution, the cost of the loan over thirty years is much higher than that of a bank loan.90007
  90004 If you only keep the loan for a year or two then the loan usually makes sense, so your goal is to refinance as soon as you can. You can view our lender’s best interest rates to get an idea of ​​how much you could save. 90007
  90046
  90020 What are the costs? 90021
  90004 The new loan will just have the normal set up costs which are usually from $ 0 to $ 800 depending on the lender. If you borrow over 80% of the property value then you may be charged Lenders Mortgage Insurance. 90007
  90004 You may have to pay early exit fees on your existing loan such as a Deferred Establishment Fee (DEF), Discharge Fee, Early Termination Fee or Break Cost (fixed rate loans only).These exit fees usually only apply for the first few years that the loan is open. Please refer to your lender for the exact exit fees. 90007
  90004 90009 You will not pay any exit fee if your loan was advanced after the 1st of July 2011 as the Australian government banned early repayment fees for mortgages. 90010 90007
  90004 There are some cases where exit fees may apply even if your loan was advanced after the 1st of July 2011. For example if your loan is NCCP unregulated or if you have a fixed rate loan you may be charged break fees.90007
  90046
  90020 Will lenders know about my past? 90021
  90004 90009 Did you know that even if you pay a default that it will remain on your credit file for five years? 90010 Bankruptcy and part 9 agreements can remain on your credit file for up to seven years. 90007
  90004 However, do the banks know about your past if your credit file with Veda Advantage no longer has any defaults, bankruptcy or part 9 agreements on it? 90007
  90004 If you have a current loan with a specialist lender then some banks will ask why you are with that lender.Even though your credit history is now clear, they may enquire about your past or ask for additional information. 90007
  90004 Lenders never forget about one of their own defaults. For example if you did not pay a credit card with a particular bank then that bank is unlikely to ever approve a loan for you. Some lenders have cross referenced databases in which case they are unlikely to lend to you as well. 90007
  90004 Lenders will also remember the past conduct on any current loans or accounts that you have.For example if you have a mortgage and three years ago you missed many repayments then the lender may not approve a loan increase for you even though you now have a perfect repayment history. 90007
  90004 If you had a cheque account with a lender at a time when you had problems with your credit history then that lender is very likely to be aware of your past problems. 90007
  90004 Our mortgage brokers will know which lenders can now accept you as a clear credit borrower and give you a chance to prove yourself again.Please call us on 90005 1300 889 743 90006 or enquire online and we will let you know your options. 90007
  90046
  90020 Refinancing a Private Loan 90021
  90004 Private lenders are high net worth individuals or mortgage funds that offer high rate unregulated loans secured by either a second mortgage or a caveat. Typically the private notes were advanced for business purposes and are supposed to be kept for less than a year. 90007
  90004 Since the interest rates are often 2% to 6% per month (24% to 72% p.a.), it is important that you pay off the loan as soon as possible by selling the property or refinancing the loan. Check your loan contract because there are often high exit fees if the loan is repaid before the term is up. 90007
  90004 Many banks will not accept a home loan application if the loan purpose is to refinance a private mortgage. However if you have made your payments on time then we can assist you to refinance to a lender that can consider your situation. 90007
  90046
  90020 Refinancing a Bluestone mortgage 90021
  90004 Many people are refinancing their current Bluestone home loans to lower interest rates with other lenders.90007
  90004 Bluestone is a non-conforming lender who specialised in helping people with impaired credit histories or who could not prove their full income. Unfortunately during the sub prime crisis they were unable to fund new loans and they withdrew from the market. 90007
  90113 What are Bluestone’s exit fees? 90114
  90004 The DEF (Deferred Establishment Fee) is applied if your loan is repaid in full (discharged) within the first 3 years and is calculated on the total loan amount. Lump sum repayments not leading to a full discharge do not trigger a DEF being charged.90007
  90004 Below are Bluestone’s exit fees as a percentage of the original loan amount: 90007
  90004 90005 Fixed for life / Ready Access option: 90006 90007
  90024
  90025 Year 1 — 3% 90026
  90025 Year 2 — 3% 90026
  90025 Year 3 — 2% 90026
  90033

  90004 90005 Capped for life / Split Rate loans option: 90006 90007
  90024
  90025 Year 1 — 4% 90026
  90025 Year 2 — 3% 90026
  90025 Year 3 — 3% 90026
  90033

  90004 90005 Loan switching: 90006 90007
  90024
  90025 Switching between loans may be available subject to the underwriting criteria at the time.90026
  90025 If you switch from the «Fixed for Life» to the «Capped for Life» loan then you may be liable for a fixed rate break fee. Note that there are additional fees for this service 90026
  90033

  90004 The above exit fees and costs are general figures and are subject to change. You should be aware of the costs involved before making your decision to refinance. Please enquire online if you would like more information regarding the exit costs of your mortgage with Bluestone. 90007
  90113 Are Bluestone’s current interest rates competitive? 90114
  90004 Bluestone experienced funding issues during the sub-prime crisis, and subsequently suspended most new lending in 2007 and 2008.90007
  90004 They also raised the interest rates on all of their existing customers ‘loans to help pay for their higher funding costs. As a result of this Bluestone’s interest rates are not competitive. 90007
  90113 About Bluestone mortgages 90114
  90004 Bluestone was a leading financial services business which was established in Australia in 2000. They were quite a successful lender and expanded rapidly, even being recognised by Business Review Weekly (BRW) as one of the fastest growing companies in Australia.90007
  90004 Unfortunately their ability to fund loans was compromised by the sub-prime crisis. In 2012 they returned to the market with a range of specialist loans. 90007
  90004 Bluestone is owned by a number of leading institutional investors such as Bank of Scotland International and Crescent Capital Partners, however the group operates two core divisions: 90007
  90024
  90025 Bluestone Servicing 90026
  90025 Bluestone Capital Management 90026
  90033

  90004 90005 Bluestone Servicing 90006 offers a range of portfolio management services to third parties such as Bond investors, the banks, trustees and administrators inlcuding: 90007
  90024
  90025 Core servicing (customer and loan administration) 90026
  90025 Special servicing (collections and arrears management) 90026
  90025 Standby or backup servicing 90026
  90025 Trust management 90026
  90033

  90004 Over the years Bluestone Servicing has developed a technology platform that allows multiple portfolios and asset classes to be managed on a single platform.This enables a flawless and accurate transfer of portfolios from third party systems. 90007
  90004 90005 Bluestone Capital Management 90006 was founded in 2008 and specialises in the acquisition and management of portfolios of loans, particularly under-performing and non-performing loans to consumers. 90007
  90004 Portfolio sales can be particularly attractive to vendors looking to cap their exposure and either release capital, or reduce the risk that further capital will be needed to support under-performing loans.90007
  90004 On behalf of institutional and retail investment, Bluestone Capital Management draws on its extensive organisational experience in credit analysis, financing and management of receivable portfolios. 90007
  90046
  90020 Refinancing a Liberty Financial mortgage 90021
  90004 Liberty Financial is a specialist lender that has helped thousands of Australians, who do not meet standard bank criteria, to obtain a home loan. 90007
  90004 Their common sense approach to lending means that people with an impaired credit history are given a fair go.90007
  90004 They were the first non-conforming lender in Australia and are still trading. 90007
  90004 Liberty offers an extensive range of loans to suit all kinds of borrowers, and offers competitive home loans to borrowers with a good credit history as well as those who need specialised financial assistance or who have credit blemishes. 90007
  90004 Their range also includes car loans for consumers and for businesses, commercial property loans, cash flow finance, and floor stock finance for car dealerships.90007
  90004 However most Liberty mortgages are not designed to be used for the long term. For the majority of borrowers the ultimate goal is to refinance their non-conforming loan with a mainstream lender with a lower rate or to refinance to Liberty’s clear credit loan product. 90007
  90113 What are Liberty’s exit fees / costs? 90114
  90004 Liberty Financial charges the following fees on their loans: 90007
  90024
  90025 90005 Rebatable Termination Fee (RTF) — 90006 $ 0 for Star / Nova loans.Private loans attract a fee of up to 4% of the original loan amount which is due if the loan is not paid out at maturity or is paid out early. Note that 90222 NCCP 90223 regulated loans (excludes private loans) set-up after the 1st July 2011 do not have an RTF. 90026
  90025 90005 Discharge Fee — 90006 $ 395 (plus legal fees) is payable when a discharge is requested, whether it proceeds or not. 90026
  90025 90005 Break Fee — 90006 Applicable to fixed rate loans only. Please call Liberty Financial for a quote.90026
  90033
  90004 If your loan was advanced before the 1st of July 2011 then there may be additional exit fees not listed above. 90007
  90004 You should be aware that the above figures are only general and are subject to change in accordance with the lender’s policy. For more information please call us on 90005 1300 889 743 90006 or enquire online and one of our specialist mortgage brokers can work out the cost of refinancing your loan. 90007
  90113 Are Liberty’s current interest rates competitive? 90114
  90004 Just like with most non-conforming lenders, it is important for you to review your interest rate regularly and to see if you qualify for a better deal.90007
  90004 If your credit history has improved and you have a proven history of making repayments on time, then you may qualify with a major bank or with Liberty’s lower rate «AAA» mortgage. 90007
  90113 About Liberty Financial 90114
  90004 Liberty Financial is a highly regarded and well established financial services group, backed by global banks such as Deutsche Bank, Credit Suisse and the National Australia Bank. 90007
  90004 Liberty was founded in Australia in 1997 and introduced specialist lending to our country.Their lending policies recognise good people who are not being serviced or being serviced poorly by traditional lenders. 90007
  90046
  90020 Refinancing a Pepper mortgage 90021
  90004 If your credit history is now clear then you may qualify to refinance your Pepper home loan to a major lender. 90007
  90004 The majority of Pepper’s borrowers had issues such as: 90007

  90004 If these issues have been resolved and your credit history is clear then lenders will view you as a prime customer. 90007
  90004 Your repayments with Pepper must have been on time for at least six months, ideally longer.90007
  90113 What are Pepper’s exit fees / costs? 90114
  90004 Pepper do not charge any early discharge, exit or break fees. 90007
  90004 Like any non-conforming lender, Pepper’s loans have a higher interest rate and risk fee than standard banks. As a borrower, you want to refinance your Pepper loan as soon as all your defaults are clear and you are eligible for a home loan with a standard lender. 90007
  90004 Our brokers are experts in Pepper’s loans, policies and guidelines. Call us on 90005 1300 889 743 90006, or enquire online to find out how we can help you refinance with a standard lender.90007
  90113 Are Pepper’s current interest rates competitive? 90114
  90004 Compared to standard lenders, their interest rates are high. For a non-conforming lender, Pepper is competitive with their prices. 90007
  90004 Pepper is a non-conforming lender who specialises in applications from people with bad credit, previous bankruptcies, discharged part 9 agreements, and mortgage arrears. 90007
  90004 They are aggressive in their pricing for the non-conforming market and in some cases our mortgage brokers use Pepper as the stepping stone to a cheaper lender.90007
  90113 About Pepper Australia 90114
  90004 Established in 2001, Pepper have a strong background in residential mortgage finance. 90007
  90004 Funded by several banks and institutional investors, Pepper have the required funding to stay competitive. 90007
  90004 Pepper specialises in providing solutions for customers that can not meet the credit guidelines of the major banks. They are one of the few lenders that accept high risk customers. 90007
  90046
  90020 Refinancing a La Trobe Financial loan 90021
  90004 La Trobe Financial is a specialist lender that has been operating since тисячі дев’ятсот п’ятьдесят два and has been recognised for its innovation and stability through many financial crises.90007
  90004 Their funding model is different to other lenders in that they obtain most of their funds from investors rather than from banks. 90007
  90004 La Trobe mortgages are only designed to be short term loans. In many cases La Trobe can not negotiate significantly reduced interest rates for their borrowers even when their credit history is clear, so in most cases it is best to refinance. 90007
  90004 La Trobe mortgages that are 90222 NCCP 90223 unregulated may be subject to exit fees, please refer to your original loan offer for the full details.90007
  90046
  90020 Refinancing an MKM Capital loan 90021
  90004 MKM Capital is a specialist lender with its own private funding. This gives MKM the flexibility to have their own lending policies and unique products. 90007
  90004 They specialise in lending to people with serious credit impairment that may not be considered by other bad credit lenders. Their loans are usually designed to be kept for between six months and a year before being refinanced. 90007
  90004 MKM Capital’s interest rates are significantly higher than the banks.If you can qualify for a bank loan then you should refinance as soon as possible. 90007
  90046
  90020 Apply to refinance your bad credit loan 90021
  90004 The next step is to speak to a specialist mortgage broker such as ourselves and find out if you are eligible for a loan. Please call us on 90005 1300 889 743 90006 or enquire online to discuss your situation with one of our experts. 90007
  90046

  .90000 Mortgage Refinance Loans | DCU 90001
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  90004 90011.90000 Refinance Your Home Loan | Everything You Need To Know 90001
  90002 Refinance calculator 90003
  90004 Taking into account the costs and fees associated with switching home loans and lenders, this calculator works out how much you’ll actually save by refinancing. 90005

  90004 Speak with a mortgage broker about your options by calling 90007 1300 889 743 90008 or fill in our online enquiry form and we’ll get back to you. 90005
  90002 How can I benefit from refinancing? 90003
  90004 Depending on your goals, the benefits of refinancing can include: 90005
  90014
  90015 Getting a better interest rate to reduce the size of your mortgage.90016
  90015 Reducing your monthly repayments. 90016
  90015 Consolidating debt such as credit cards, car loans, or tax debt into one monthly repayment. 90016
  90015 Getting competitive interest rate by refinancing to a major lender after fixing past credit issues. 90016
  90015 Accessing equity to renovate your existing property, to build something, to buy an investment property, to go on a holiday, or just to have some cash in the bank. 90016
  90004 Due to the coronavirus pandemic, there is a very short window of opportunity for you to take if you want to refinance your home loan.90005
  90027
  90004 It all comes down to what you’re trying to achieve so call us on 90007 1300 889 743 90008 or complete our free assessment form and we can talk you through your options. 90005
  90032
  90002 What’s the process? 90003
  90004 An experienced mortgage broker can help you through the refinance process by doing the following: 90005
  90014
  90015 Investigate and shop around for a mortgage. 90016
  90015 Apply with the chosen lender (this is all you’ll need to do). If you’re using a mortgage broker, they will do all the shopping around for you and recommend the most suitable mortgage and submits your application on your behalf.90016
  90015 Refinancing is the same as applying for a new loan so you’ll need to provide standard supporting documents such as your identification, bank statements and payslips / tax returns. 90016
  90015 Once the application is submitted, the lender may require that your property be revalued. 90016
  90015 The lender will submit a discharge form to your state’s Land Titles Office to close the old mortgage account. 90016
  90015 Your new mortgage is used to pay off your old mortgage. 90016
  90015 You start paying your new home loan — usually within a month of settlement.90016
  90027
  90004 Discover how we can help you refinance your mortgage by calling 90007 1300 889 743 90008 or by completing our free assessment form today. 90005
  90032
  90002 Refinancing home loan tips 90003
  90060 Will you be better off? 90061
  90014
  90015 Your mortgage may already be the best deal for you. 90016
  90015 You’ll need to take into account any upfront and ongoing costs associated with your existing mortgage and switching to the new one. 90016
  90027
  90060 What is important to you? 90061
  90014
  90015 Are you after a lower interest rate? 90016
  90015 Are you after better service? 90016
  90015 Are you concerned about fees and other costs? 90016
  90015 Are you after new features or options such as flexible repayments, redraw facilities and account splitting? 90016
  90027
  90060 Is it a good time to refinance? 90061
  90004 If your mortgage is coming to the end of its fixed rate term, it’s a good time to shop around for a better interest rate or perhaps a more flexible product.90005
  90014
  90015 Even if you’re on a variable rate, most people consider refinancing at around the 3 to 4 year mark. 90016
  90015 If you want to purchase an investment property, your current lender may be reluctant in releasing equity to you due to strict lending requirements. By refinancing with another lender you may be able to get your loan approved. 90016
  90027
  90060 Which lender do I choose? 90061
  90004 It’s hard choosing the «right» lender as they offer different products and service.The key is to find a lender that has a product suited to your situation. This becomes a difficult task when your situation is unusually complicated or you have a bad credit history. 90005
  90004 One of the worst things you can do is to simply stay with your current bank for the life of the loan. You could potentially be missing out on a deal with one of Australia’s 40 plus lenders. 90005
  90060 Do you need access to a branch network? 90061
  90004 Some people want branch access because dealing with issues and asking questions over the phone or online is difficult.Despite the advances in online technology, some people still prefer to see someone in person. 90005
  90060 Have you been struggling to meet your financial commitments? 90061
  90004 If you’ve been unable to meet your debt and mortgage repayments recently, you may have added black marks to your credit file. 90005
  90004 If you apply with a major bank and get declined, you’ll add yet another blemish to your credit history so a specialist lender may be a better option for you. 90005
  90032
  90002 How much does it cost to refinance? 90003
  90004 Refinancing comes at a cost so it’s essential to weigh up the savings of refinancing against the expenses involved.Generally speaking though, these upfront costs are minimal compared to the thousands of dollars that you may potentially save on interest and other fees over the life of the loan period. 90005
  90004 The following costs may be applied to your refinance, although many of these fees are usually added into your new mortgage: 90005
  90014
  90015 90007 Borrowing costs: 90008 When you refinance, your new lender may charge a range of upfront fees. 90016
  90015 90007 Loan application fee: 90008 Charged when you apply for a new home loan.90016
  90015 90007 Exit fees: 90008 These may apply when you pay out a loan early, usually in the first 3 to 5 years of your term. It could be a percentage of the remaining loan balance or it may be a set charge. 90016
  90015 90007 Valuation fee: 90008 Your lender may charge a fee to have your property valued by a professional property valuer. 90016
  90015 90007 Settlement fee: 90008 Your lender may charge a fee to pay out your current mortgage. 90016
  90015 90007 Discharge fee: 90008 Although exit fees were abolished in 2011, a discharge fee of around $ 150 to $ 300 is usually charged by a lender in order to release you from the mortgage.90016
  90015 90007 Break costs: 90008 You may incur break costs from the lender who financed your current mortgage. These fees apply when you refinance within the fixed period of your home loan. For example, say you’re on a 5-year fixed mortgage and you decide to refinance after 3 years. There is no hard and fast rule with these costs but they can be as much as $ 10,000. Standard application fees which vary between lenders including home loan set-up and settlement. 90016
  90015 90007 Government fees to register and transfer the property: 90008 If you increase your loan as part of your refinance, you may be charged stamp duty depending on your state.Your state’s Land Titles Office will also charge a mortgage registration fee to register your mortgage on to the title record for the property. 90016
  90015 90007 Ongoing fees depending on the mortgage you choose: 90008 These charges could include monthly account keeping fees, annual fees or fees for redrawing. 90016
  90015 90007 Lenders Mortgage Insurance (LMI): 90008 Only one off fee only applicable if you have more than 80% of the purchase price owing on your home loan refinance. 90016
  90027
  90004 Some of these fees can be negotiated by you or your mortgage broker.For example, fees may be waived, there may be a promotion happening, or you may be entitled to a rebate. 90005
  90004 Mortgage brokers tend to have better relationships with lenders and can therefore negotiate harder on your behalf. 90005
  90032
  90002 Am I eligible to refinance? 90003
  90004 To be eligible to refinance you must meet certain criteria: 90005
  90014
  90015 90007 Ideally, you should have less than 80% owing on your home loan. 90008 90016
  90015 90007 You can refinance on a variable rate: 90008 You can actually refinance every 6 months but keep in mind though that you’ll add an enquiry to your credit file every time you refinance.90172 Despite this, it sometimes it makes sense to refinance within the first few months depending on the amount of equity you have to use. 90172 For example, you may have only settled your loan in the last 3 months but recently found an investment opportunity and want to access your equity to invest. 90172 Your current lender may not allow you to do this but another lender may be able to consider your case. We may be able to help you do this depending on your equity position. 90016
  90015 90007 You should not refinance on a fixed interest rate: 90008 Despite the break costs and early exit fees, it sometimes makes sense financially to refinance within the fixed period, especially if you recoup these costs within 2 years of refinancing.You should speak to a mortgage broker about your situation if you’re considering this (this can be tricky). 90016
  90015 90007 You can refinance to a low doc mortgage: 90008 If you’re self-employed and can not provide the necessary income evidence to qualify for a standard home loan, you can still borrow up to 85% of the value of your property . 90172 You may not be able to provide the tax returns to prove your income, especially if you’re nearing the end of the financial year. However, you may be able to approach your accountant and ask for a letter declaring your projected income for the end of the financial year and get a low doc loan.90172 90185 Cash out restrictions and other conditions apply so speak to a mortgage broker if you’re in this situation. 90186 90016
  90015 90007 You can refinance from a low doc to a full doc: 90008 Some people had a low doc mortgage but they’ve now got sufficient financial evidence that they can provide so they get a sharper interest rate with another lender. 90016
  90015 90007 You can refinance out of a bad credit loan: 90008 You can refinance from a specialist lender to a major lender if you owe 80% or less of your property’s value and all of your defaults have been paid and are no longer showing on your credit file.See here for specific conditions and exceptions to standard policy. 90016
  90027
  90002 What else to be aware of when refinancing 90003
  90014
  90015 90007 You may pay LMI twice: 90008 That means you’ll be paying LMI when borrowing more than 80% of the purchase price of your property and paying this cost again if you refinance 3 or 4 years later and you still owe more than 80 % on your property. 90016
  90015 90007 Unsatisfactory service from the new lender: 90008 This could be any number of issues including below par customer service, dissatisfaction with the initial loan process or post-settlement process, having no Internet banking features or, conversely, no branch access.90016
  90015 90007 Adding enquiries to your credit file: 90008 Making too many applications with too many lenders can negatively impact your credit score. Any more than 4 enquiries in a 12 month period can limit the number of lenders you’re eligible to refinance with. 90016
  90027
  90032
  90002 Reasons To Refinance 90003
  90060 Refinancing to get a better interest rate 90061
  90004 With so many lenders and mortgage products on the market, lenders compete heavily when it comes to interest rates.90005
  90004 There are many different types of promotions offered by different lenders throughout the year so you’ll have to shop around to discover what’s being offered. 90005
  90004 If you are using a mortgage broker, it’s good to ask about the current promotions on the market. Brokers receive updates from the lenders and stay up to date with the latest offers. 90005
  90060 Am I always better off refinancing my home loan? 90061
  90004 As a general rule, if you refinance with the goal of getting a better rate you should be able to see the benefits of refinancing within 2 to 3 years of making the switch.90005
  90004 For example, if you were approved for a 90% home loan on a $ 500,000 property ($ 450,000), you’d have to pay around $ 10,000 in mortgage insurance because you’re borrowing over 80% of the property value. This would bring your total mortgage to $ 460,000. 90005
  90004 In a few years time, your property’s value may have increased by $ 20,000 to $ 520,000 and you may decide that you want to refinance to get a better rate. 90005
  90004 It’s great if you find a better interest rate but your loan is for $ 460,000, still sitting at around the 90% mark for your $ 520,000 property.90005
  90004 To get approved, you’d still need to pay around $ 10,000 in mortgage insurance meaning, in this example, getting a lower interest rate will not be beneficial to you. 90005
  90004 90007 Honeymoon rates: 90008 One type of promotion is called the «honeymoon rate», a special rate that lenders offer only for the first few years of your mortgage (usually 1 to 3 years). 90005
  90004 After this period, these discounted interest rates revert back to the Standard Variable Rate which may not exactly be the most competitive rate on the market anymore.90005
  90004 Speak to a mortgage broker or lender and confirm that your new rates are in effect for the life of the loan and will not increase afterwards. 90005
  90004 90007 Rebates and cashbacks: 90008 Another type of promotion can be in the form of a rebate. Although you should not refinance purely for a cash back, these rewards can be tempting and lenders offer them on a regular basis. 90005
  90004 These rebates vary depending on whether you’re a first home buyer or an existing customer. 90005
  90004 Apart from cashbacks, there can also be fee waivers such as discounted LMI and application fees, as well as the refund of the first annual fee on a professional package.90005
  90004 90007 Your lender may offer you a better deal: 90008 It costs lenders a lot less to retain an existing customer than to find a new one. It’s one of the reasons why most of the major banks and lenders have large retention teams, some of which are the same size or even bigger than their sales teams! 90005
  90004 If you try to switch mortgages it’s likely that you’ll get a call from someone in this team offering really competitive deals to try and make you stay, such as a heavily discounted interest rate or fee waivers.90005
  90004 In spite of this, a mortgage broker can usually get you an even better deal because they have access to special promotions not offered to the general public. 90005
  90004 The reason is that they have very strong relationships with a number of Australian lenders due to the sheer amount of loans they write. 90005
  90060 Refinancing to consolidate debt 90061
  90004 If you’re struggling to keep up with your debts then debt consolidation can save you a lot of time and money. 90005
  90004 In basic terms, it works by taking all of your debts and rolling them into your mortgage, therefore, making it easier to manage your finances.90005
  90004 The benefits are that: 90005
  90014
  90015 You pay the debts back at the rate of the home loan, not at the rate that comes with each debt. A credit card debt, for instance, can have an interest rate as high as 17%. 90016
  90015 You can consolidate up to about five different debt facilities. 90016
  90015 You will not get hit with the fees associated with credit cards and personal loans. 90016
  90015 You actually pay back a smaller portion for these smaller debts because you’re paying a lump sum on a monthly basis.90016
  90015 Instead of trying to manage your payments to several different lenders and credit providers, you can combine all of these into one easy, monthly payment. 90016
  90027
  90004 Depending on your situation, you can: 90005
  90014
  90015 90007 Borrow up to 90% of the property value: 90008 You must have a clean credit history and all of your repayments need to have been paid on time. 90016
  90015 90007 Borrow up to 80% of the property value: 90008 You can have missed payments recorded on your file but you need to show that you’ve been making your payments on time for the last 6 months.90016
  90015 90007 Borrow up to 75% of the property value: 90008 Your borrowing power will be limited if you have serious credit impairment. 90016
  90027
  90060 Refinancing to access equity 90061
  90004 Your home will likely be the most valuable asset you will ever own. Refinancing to access your equity will allow you to use the funds to invest in property and build your wealth. 90005
  90004 Home equity is the difference between the market value of your property and the balance remaining on your home loan.For example, if your home is worth $ 1,000,000 and you have $ 600,000 remaining on the loan, your home equity is equal to $ 400,000. 90005
  90004 What you should know: 90005
  90014
  90015 Most banks and lenders will allow you to borrow up to 80% minus the debt owing on home loan. 90016
  90027
  90004 For example, if your property was valued at $ 600,000 and you had $ 200,000 owing on the mortgage, you could use up $ 280,000 in equity. 90005
  90014
  90015 Accessing over 90% in equity is possible with a few lenders but LMI will apply.90016
  90027
  90004 Luckily, the cost of mortgage insurance can be added or ‘capitalised’ on top of the loan, saving you from having to pay a hefty upfront fee. 90005
  90014
  90015 Release equity in your property comes down to the valuation of your lender. Sometimes their valuation can come in less than what you were expecting, hampering your investment plans. It may even prevent you from using the equity altogether. 90016
  90027
  90004 Luckily, we can refinance your loan with another lender that will give you a more favourable valuation.90005
  90014
  90015 All lenders have cash out restrictions when it comes to equity loans because they see these types of loans as more risky than a standard home loan. 90016
  90015 Although it’s not recommended that you refinance within the fixed period due to the break costs involved, if you’re in need of the equity due to an emergency or a special circumstance, speak to a mortgage broker about it. 90016
  90027
  90060 Refinancing to renovate your property 90061
  90004 The type of loan you require will depend on what kind of renovations you plan on undertaking: 90005
  90014
  90015 90007 Construction loan 90008 90007: 90008 This is suitable if you’re looking to knock down and rebuild your property or complete some other major construction such as adding an extra room.90016
  90015 90007 Line of credit 90008 90007: 90008 It’s like having a giant credit card on your mortgage. The benefit is that you can pay it whenever you want and it’s easy to manage. However, it’s essential that you’re good at managing your finances and financial commitments, otherwise there is a real risk of defaulting on your loan. 90016
  90027
  90060 Refinancing out of a mortgage obtained with bad credit 90061
  90004 If you currently have a mortgage with a specialist lender due to having adverse credit in the past, you can refinance to a standard bank loan and enjoy a lower interest rate as long as you meet certain criteria: 90005
  90014
  90015 You must owe 80% or less of your property’s value (90% is considered on a case by case basis).90016
  90015 All defaults must be paid and must no longer appear on your credit file. Keep in mind that a mortgage default can remain on your credit file for up to 5 years. 90016
  90015 You must provide full income evidence (low doc loans may be available in some cases). 90016
  90015 You must show that you’ve been making your debt repayments on time for the last 6 months. 90016
  90027
  90004 90185 If you have a bank default on your home loan, you’ll have to refinance with another lender. 90186 90005
  90004 Worse still, if you’ve been black marked by LMI provider Genworth, you’ll be limited in accessing 80% of the property value in equity with most lenders.90005
  90004 If you’re in this situation, please fill in our online assessment form and we may be able to find a lender that uses a different LMI provider or has its own Delegated Underwriting Authority. 90005
  90060 Refinancing because your mortgage is in arrears 90061
  90004 Major life events such as injury, illness, job loss or the death of a love one can prevent you from meeting your financial commitments. Refinancing is a solution that can actually save people from losing their homes if their mortgage is in arrears.90005
  90004 Usually, you’ll refinance to a specialist lender (sometimes referred to as a non-conforming lender) for 1 to 2 years. 90005
  90004 Some specialist lenders do not look at your credit history at all and assess your mortgage application based on its merits. The disadvantage is that you may get a higher interest rate to offset the high risk you present to the lender. 90005
  90004 Later, (after you’ve fixed your credit issues by paying off your debts) you can switch to a major bank or lender.You’ll be able to do this as long as you can prove that you have a full time job with a steady income and you’re now making your mortgage repayments on time. 90005
  90060 Refinancing to switch mortgage packages 90061
  90004 A basic home loan package is best suited to people who want to get a lower interest rate and pay off the loan as quickly as possible. 90005
  90004 With no extra mortgage features, such as a 100% offset account, redraw facility or a credit card, this package is suited to investors who want to avoid annual and account keeping fees and maximise their returns.Some borrowers get a basic package purely for the simplicity. 90005
  90004 After a while though, they usually save up enough to reap the rewards of having an offset on a professional package. This is especially true if you plan to purchase multiple properties over the next few years. 90005
  90004 Let’s say that you want to use the equity you’ve accrued in your home rather than come up with a deposit yourself. You do not mind paying the Lenders Mortgage Insurance (LMI) because the insurance can be covered by the lender and you get negative gearing benefits.90005
  90004 You also want the mortgage to be part variable and part fixed. The basic package you’ve had for the past few years will not allow you to do this but a professional package will. 90005
  90004 On top of that, the professional package comes with discounts on home and contents insurance and other bank products. 90005
  90060 Refinancing to get potential tax benefits 90061
  90004 Refinancing your home loan may offer potential tax benefits. For example, if you refinance to access equity in your home and use those funds to invest in property, shares or other wealth-building opportunities, you may be able to take advantage of negative gearing and depreciation benefits.90005
  90004 Let’s say you renovated your property for $ 50,000, you may be able to claim depreciation on these costs over the life of the loan. To explain, that’s claiming the $ 50,000 you spent as a principal cost and then claiming depreciation thereafter. 90005
  90004 Please note that it is recommended that you speak to a tax professional to find out exactly how many deductions you will be allowed. 90005
  90004 Check out our ultimate guide on refinancing your investment loan for more essential tips.90005
  90060 Refinancing to access additional features or add-ons 90061
  90004 In some cases, you may want to refinance to add more feature to your loan. These are worth the cost of refinancing in case your loan period is very long. 90005
  90004 These additional features can include: 90005
  90014
  90015 90007 Flexible repayments: 90008 This allows you to make extra repayments at zero additional cost so you can pay the loan off quicker. 90016
  90015 90007 Repayment holiday: 90008 This facility lets you take a break from making repayments if you change jobs or apply for extended leave from work such as taking maternity leave.Certain lenders may also let you make reduced payments instead. 90016
  90015 90007 Offset account: 90008 An offset account allows you to have a savings account or a transaction account linked to your loan account. The benefit of this facility is that your interest is calculated after subtracting the amount in your offset account from your remaining loan balance which reduces your monthly interest fees. 90016
  90015 90007 Redraw facility: 90008 A redraw facility will give you the option of withdrawing any additional repayments that you have already made.This is especially helpful in circumstances when you need money for emergencies situations. 90016
  90015 90007 Flexible rate options: 90008 A mix of fixed and variable loans, this feature lets you divide your total rate into fixed and variable parts according to your needs. You may even be allowed to make interest-only repayments for a certain period of time depending on the lender. 90016
  90015 90007 Loan portability: 90008 If you’re moving from one home to another then this feature will allow you to take your loan with you whenever you move without needing to arrange a new loan.90016
  90027
  90032
  90002 Case Studies 90003
  90060 Example of refinancing to access equity 90061
  90441 90007 The situation: 90008 90444
  90004 Maria purchased her property 5 years ago and owes $ 350,000 on her home loan, repayable over the remaining 25 years of her loan term. 90005
  90004 Her interest rate is 5.04% with her current lender and her monthly repayments are $ 2,054. 90005
  90004 She wants to access the equity in her property in order to complete some non-structural home renovations, purchase a new car for the family and take them on their first family holiday overseas.90005
  90441 90007 The solution: 90008 90444
  90004 In the past 5 years, her property value has increased in value to $ 600,000, according to her lender’s valuation. 90005
  90004 Maria decides refinance $ 480,000 of her mortgage (80%) and switch to a 3 year fixed rate of 4.24%, a rate reduction of 0.80%. This brings her new repayments to a slightly higher $ 2,359 per month, just over $ 300 a month. 90005
  90441 90007 The results: 90008 90444
  90004 Maria now has access to $ 130,000 in equity with only a slight increase to her monthly repayments, a much better option than using a high interest rate personal loan or credit card.90005
  90060 Example of refinancing to consolidate debt 90061
  90441 90007 The situation: 90008 90444
  90004 Justin owns a property worth $ 550,000 and a mortgage of $ 350,000 at a 5.00% interest rate. His monthly repayments are $ 1,878. 90005
  90004 He has two credit cards with roughly $ 10,000 owing in total with minimum repayments of $ 200. 90005
  90004 He also has a personal loan of $ 20,000 which he used to go on an overseas holiday. At an interest rate of 15%, his monthly repayments are $ 475.90005
  90004 On top of that, Justin’s wife has a car loan with about $ 30,000 owning and paying $ 594 in monthly repayments. 90005
  90004 The combined monthly repayments that Justin and his wife are paying adds up to $ 3,174. 90005
  90004 They’re living on a really tight budget and they’re worried that any slight change in their situation, like he or his wife becoming ill or losing their job, could see them default on their mortgage. 90005
  90441 90007 The solution: 90008 90444
  90004 Justin has been paying his variable rate home loan for the past 4 years and finds out that some lenders allow you to consolidate your debt in order to reduce debt payments and roll them into one easy to manage monthly repayment.90005
  90004 After speaking to a mortgage broker, he is able to refinance with a lender that will roll all of his existing debts into the new home loan. 90005
  90441 90007 The results: 90008 90444
  90004 Even though he got a home loan at the same rate of 5.00%, his total debt repayments are $ 2,200 per month, a saving of more than $ 1,000 per month. 90005
  90004 Justin and his wife are now getting back on their feet, managing their finances and have even been able to put some money away in case they need it in the future.90005
  90060 Example of refinancing to pay out a Part IX agreement 90061
  90441 90007 The situation: 90008 90444
  90004 Nick owns a property valued at $ 450,000 and owes $ 285,000 at an interest rate of 5.00%. His monthly repayments are $ 1,529. 90005
  90004 Nick is also currently paying down a Part 9 debt agreement with $ 35,000 left to pay. He’s currently paying $ 972 per month. 90005
  90004 With his home loan and Part IX agreement combined, this brings his total monthly repayments to $ 2,501 per month.90005
  90441 90007 The solution: 90008 90444
  90004 Under a Part 9 agreement, you can not legally borrow money to pay down the debt agreement but a specialist lender will actually allow to refinance to pay out the debt. 90005
  90004 In Nick’s case, he was able to refinance to a specialist lender and pay out his $ 35,000 debt agreement, bringing his new loan to $ 320,000. 90005
  90441 90007 The results: 90008 90444
  90004 His new home loan rate is around 2% higher at 7% but his new monthly repayments are $ 2,128, a saving of almost $ 400 per month.90005

  90004 Download refinancing checklist 90005
  90004
  Home loan refinancing checklist
  90005
  90032
  90002 Refinance today 90003
  90004 If you’ve been paying off your mortgage for about 4 or 5 years now, review your loan and wider financial situation. 90005
  90004 90185 Can your bank do better or can you get a better deal with another lender? 90186 90005
  90004 Our mortgage brokers have considerable knowledge on a wide range of home loan products from over 40 lenders. 90005
  90004 They also have the credit expertise to properly assess your situation and recommend a number of products that are more competitive than your current mortgage.90005
  90004 Your home loan may have been right for you a few years ago but your circumstances change over time. 90005
  90004 Call us today on 90007 1300 889 743 90008 or complete our free assessment form to discover what amazing home loan packages may be available to you. 90005
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