Refinancing

Many of our clients come to us the first time with loans that might be good, but they’re not necessarily great.  If you go directly to a lender for your home loan, you might get a loan, but it might not be the most suitable for you.  Lenders don’t always take the time to understand what your real needs are, and as a result may arrange a loan that doesn’t provide you with all the benefits you want.

However, it goes against our belief to suggest a refinance to someone who doesn’t need to refinance.  We’ll always tell you the truth.  If it means we can’t help you now, then hopefully you’ll remember us for the next time.

This is why we’re different – we will:

• review your current home loan situation absolutely free, with absolutely no obligation,
• identify benefits you may not be getting in your current home loan and suggest lenders who can provide these,
• show you how to structure your loans to provide you with maximum flexibility,
• help you to create stand-alone loan structures.  Lenders love to cross-collateralise loans when they don’t need to, which effectively means they hold more security over your properties than they should, which in turn reduces your ability to follow through with your own plans when the time comes, and
• teach or mentor you to get the best out of your loan.