Refinance your Loan

At Influence Finance Group, we're Mortgage Brokers helping clients Australia-wide refinance their Home Loan or Investment Loan

5.0

from 14 reviews

[Placeholder Text]

We're here to help you Refinance your Home Loan or Investment Loan

Refinancing your home loan can be a strategic move to enhance your financial wellbeing. At Influence Finance Group, based in Melbourne and serving clients across Australia, we specialise in helping you access loan options from banks and lenders nationwide. Whether you're looking to secure a more favourable interest rate, change your loan term, or consolidate debts, our team is here to guide you through a streamlined application process. Let's explore how refinancing can potentially offer better loan options and improve your financial situation.

One of the primary reasons to consider refinancing is to access a lower interest rate. With the right loan options, you can reduce your loan repayments, which can lead to substantial savings over time. As experts in the field, we help you explore both fixed and variable interest rate options. If your current fixed rate period is ending, it might be an ideal time to reassess your loan. By accessing a lower interest rate, you ensure that your mortgage aligns with the latest market conditions, making your repayments more manageable.

Another critical aspect of refinancing is the possibility of releasing equity in your property. If you've built up equity, refinancing can provide the opportunity to tap into this value. This can be particularly beneficial if you're planning to release equity to buy the next property or fund another major purchase. Our team assists clients in evaluating their property’s value and potential for equity release, ensuring that you can make informed decisions about leveraging your assets.

Moreover, refinancing can be a practical solution for those looking to consolidate debts. By combining multiple debts into one, you can simplify your financial obligations and potentially secure a lower overall interest rate. This not only aids in reducing monthly repayments but also streamlines your financial commitments, making them easier to manage. We work closely with you to assess your credit history and bank statements, ensuring that you meet the eligibility criteria for special lender policies.

Navigating the application process might seem complex, but with Influence Finance Group, it becomes straightforward and efficient. We provide access to banks and lenders nationwide, offering diverse options tailored to your unique financial situation. We help you check eligibility for special lender policies, ensuring that all aspects of your application are optimised for success. Whether you're interested in changing your loan term or simply exploring better loan options, our expertise ensures a seamless transition.

Our comprehensive approach involves a detailed review of your financial situation, including an assessment of your credit history and current loan amount. This allows us to tailor solutions that are best suited to your needs. We understand that every client is unique, and we are committed to finding refinancing solutions that align with your goals.

Refinancing is not just about securing a better interest rate; it's about improving your overall financial health. At Influence Finance Group, we are dedicated to providing you with the best possible refinancing options available. Our team is ready to assist you in accessing the most competitive refinance interest rates and terms offered by banks and lenders across Australia.

To conclude, refinancing offers numerous benefits, from accessing a lower interest rate to consolidating debts and releasing equity in your property. Influence Finance Group is here to make this process as smooth and beneficial as possible. If you're considering refinancing or just want to explore your options, contact us today. Let us help you turn your financial goals into reality with our expert guidance and access to banks and lenders nationwide.

How much could you save by Refinancing?

Get an estimate of your savings in less than 60 seconds

Refinancing your Home or Investment Loan

Initial Consult

Have a chat with one of our qualified Mortgage Brokers who will understand your situation and talk you through the next steps. 

Fact Find

We'll work with you to understand a bit more about your situation (including your financials, assets etc.) and find the Home or Investment Loan options for you 

Submit Application

Once you've chosen a loan, we'll submit an application on your behalf similarly to when you first took out a Home Loan or Investment Loan.

Discharge & Settlement

Once your new loan is approved, we'll work with your new lender to let your old lender know you’d like to pay out your existing loan.

[Placeholder Text]

Our Latest Reviews

Kapilan Sarma

I have known Paul for a number of years now and he has assisted be with various services from re-financing loans to new home loans for house purchases. All my experiences with him have been positive. His ability to respond in a timely manner to lender issues, providing financial advice and constantly keeping me in the loop during all steps is very comforting. I would highly recommend him to others who require similar services. Thanks Paul for all your help over the years.

Gayle Millington

Paul and the company have been so very helpful on many occasions. He takes a personal interest with all his clients He know his stuff and is up to date with all the latest products and policies… would and have told everyone about him…

Joel Parker

I wanted to take a moment to commend Paul for his remarkable service in assisting us to secure a complex home loan. Navigating through the intricacies of home financing can be daunting, yet with Paul, it felt like a well-planned journey. ...

Amanda Kemp

Paul has been absolutely amazing! Going over and above to get the best deal for myself and my family. I would recommend him to anyone who is looking for a Mortgage Broker who will keep your best interests at heart and get you the best outcome.

Briar Ferguson

Paul was referred to me as I was struggling to find a finance professional who could cater for my finance requirements. I found him to be extremely professional, diligent with the ability to think outside the box. ...

Monica Brabant

Paul is absolutely amazing. He's helped me twice now with refinancing, he really listens and understands my goals and goes above and beyond to get the best outcome for me. I wouldn't hesitate to work with Paul again, and highly recommend him to anyone else

We work with Australia's biggest lenders

Frequently Asked Questions

Should I go directly to a bank or use a broker?

Banks will only offer their own products, which may not be the best fit for your situation. A broker compares a wide range of loan options from different banks and lenders to help you find the right solution. Brokers are also legally required to act in your best interest, while banks are not held to the same standard.

Is there a cost to use a mortgage broker?

In most cases, you won’t need to pay a fee for our service. Mortgage brokers are typically paid a commission by the lender you proceed with. If you're unsure or would like to learn more, feel free to reach out with any questions.

Is pre-approval necessary for an investment loan?

Yes, getting pre approval is an important step when purchasing an investment property. It means the lender has reviewed your financial situation and confirmed the maximum amount they are willing to lend. This helps you understand your budget and makes you more confident when you are ready to make an offer.

What happens to my home loan if I move to a new property?

If you are buying a new home, you usually have two options for your loan. You can refinance with your current lender or a new one, or you can pay off your existing loan and apply for a new one for your next property. A broker can help you understand what you can afford and which option might suit you better.

How can I choose the right investment loan?

The best investment loan will support your financial goals, whether you are focused on increasing cash flow or building long term value. One of the first things to consider is whether you want a fixed or variable interest rate. Each lender offers different loan features, so working with a broker can help you find the right loan with the right structure for your needs.

What are the fees involved in buying a property?

There are several extra costs that come with purchasing a property, and they are not always explained clearly. These can include stamp duty, loan application fees, building and pest inspections, and other charges. Speaking with a broker can help you understand all the costs upfront and avoid unexpected surprises.

Request a Callback