Refinance your home loan to unlock better rates & savings
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Your home loan is likely your biggest financial commitment, and it's essential that it continues to serve your best interests. The market changes, your personal circumstances evolve, and what was once the best loan for you might no longer be. That's why refinancing is a crucial financial tool that can save you significant money and provide greater flexibility.
At Ferns Finance, we offer expert, straightforward advice on how refinancing can benefit you:
- Secure a Lower Interest Rate: Even a small reduction in your interest rate can translate into thousands of dollars in savings over the life of your loan. We'll compare options from over 60 banks and lenders to find you a more competitive rate.
- Consolidate Debt: Simplify your finances and potentially reduce your monthly repayments by rolling high-interest debts, like credit cards or personal loans, into your home loan.
- Access Home Equity: Tap into the equity you've built in your property for renovations, investments, or other major life events.
- Change Loan Features: Switch from a variable to a fixed rate (or vice versa), change your repayment structure, or add features like offset accounts that better suit your financial habits.
Don't leave money on the table. Talk to us today to see how refinancing can work for you.
How to refinance: A simple process with your broker
Refinancing can seem complicated, but with us, it's made simple. Here's what the process looks like.
Your Personal Check-in
We'll start by taking the time to truly understand your current financial circumstances and goals. We'll then thoroughly review your existing mortgage, including any potential exit fees or additional costs, to give you a complete picture.
Your Custom Shortlist of Options
Next, we'll compare your current loan with offerings from over 60 lenders to see if you could be getting a better deal elsewhere. You'll receive a clear, personalised shortlist of our recommendations, which could even include renegotiating with your current lender if that's your best option.
Take Action & Optimise Your Loan
Once you've made an informed decision, it's time to act! We'll handle all the legwork for you, from application right through to settlement. After that, we'll regularly check in to ensure your new loan continues to work hard for you and your financial future.
Explore your loan options & their features.
How do the numbers stack up between your loan and another? This calculator can help you find out. Alternatively - reach out and we can run the numbers for you. We always factor in any costs involved to weigh up the overall benefit and determine if refinancing is in your best interest.
Helpful calculators.
Explore your financial possibilities and understand potential costs with these handy calculators.
Loan Comparison Calculator
Different loans have different fees, features and repayment options. Use our loan calculator to see how the numbers stack up between two loans.
Home loan calculators
Frequently asked questions.
Are finance brokers regulated?
Are there differences in borrowing power between Brisbane and Gold Coast properties?
Are there loans for building or renovating in Tamborine?
Can I still get a home loan in Logan with a low deposit?
Can a finance broker help with bad credit?
Can you help me refinance my current mortgage to a better deal?
Talk to us today about your options.
Talk to us today about your options. Whether you're in Beenleigh, Logan, Scenic Rim, or on the Gold Coast, Gwen @ Ferns Finance is ready to provide expert, straightforward advice.