How a REFINANCE could help you.

From time to time lenders change conditions that apply to it's loans. They want to be competitive to other mortgage lenders. What is best today may not be the best next week. So it is a good idea to shop around and select a loan that suits you.

You need to keep in mind the associated cost of changing home loan lenders. Initial two years there are extremely unfavourable conditions which protect lenders. Government has taken action against this practice recently as it limits competition. Fixed Rates have contracts attached, breaking them may cost you a lot of money.

Following loan is our best offer today.

Refinance at 1% cheaper than the bank's standard variable rate is what our lender will offer you. It is a offset home loan packed with features including a Visa debit card, cheque book and a 100% interest offset account. This mortgage also comes with its own BSB and account number allowing you to operate your mortgages like a bank account, including day to day transactions and even direct debit payments.

Depending on your credit limit, you can even use it to consolidate other items such as car finance, credit cards or personal debt. Maximum Loan to Value Ratio 80% Full Doc home loans up to 600k, even we may consider paying application fee from time to time depending on loan size. Also mortgage exit fee may apply.

There are other lenders for 95% dollar to dollar refinancing option. May be another lender will consider many loans in to one, debt consolidation at 90%. There are mortgage refinance with cash out options, too. Full Doc Clear Credit mortgages only.