Refinance your Loan
Seabreeze Wealth will help you take advantage of better rates to refinance your Home Loan or Investment Loan
Refinancing your home loan can seem like a complex task, but we're here to simplify the process and help you weigh your options. As time progresses, life circumstances change. Whether it's a new job, an expanding family, or simply seeking a better interest rate, various factors may prompt the need to reassess your home finances.
For many, the idea of refinancing can be intimidating, especially when considering fees and the choice between fixed and variable interest rates. However, finding the right refinanced loan can lead to paying off your mortgage faster, reducing overall debt, or enhancing the value of your home.
Here are some common questions that arise when contemplating refinancing:
Can I secure a mortgage with lower payments than my current one? It's always wise to explore your options periodically to ensure you have the most suitable loan. We can provide insights based on your current interest rate, loan type, and desired features.
Can I consolidate other debts into my home loan? Consolidating debts into a mortgage is a popular reason for refinancing. By consolidating at a lower mortgage interest rate, you may save significantly on interest payments. However, it's crucial to maintain your current repayment levels to avoid paying more over an extended period.
How much can I borrow? Everyone's financial situation is unique. We can provide an estimate of your borrowing capacity based on your circumstances. And determine which lender best suits you.
How do I select the right loan? With hundreds of home loans on the market, consulting with us can help narrow down the choices to find the most suitable one for you.
How often should I make repayments? Most lenders offer flexible repayment frequencies to align with your pay cycle. Opting for weekly or fortnightly repayments, instead of monthly, can result in more frequent payments annually, potentially reducing both the loan term and overall cost of your loan.
What fees are involved in switching mortgages? Switching mortgages may entail penalty fees for early repayment, depending on your current loan terms. However, any potential fees are typically offset by savings from the new loan. We'll guide you through the fee structure relevant to your situation.
Sacha and the team at Seabreeze Wealth were absolute lifesavers! Securing our mortgage for an investment property wasn’t the easiest task, but they tackled every challenge with expertise, persistence, and a personal touch that made all the ...
Stephanie Hornby
I had an amazing experience with Seabreeze Wealth for my first house and land purchase! The team was incredibly supportive and guided me through every step of the mortgage process. They answered all my questions and made everything so ...
Brody Thompson
I've had the pleasure of working with Sacha and the team at Seabreeze Wealth and I can confidently say they are absolute professionals who truly care about their clients. Sacha is knowledgeable, approachable and always willing to share ...
Gordon Johnston
Sacha and the team at Seabreeze wealth recently helped us purchase our house. Sacha and the team helped us through so many stressful parts of our application. They always made sure we were kept in the loop with every bit of information and ...
Charlie Summers
“A huge thank you to Sacha, Sarah, and the entire team at Seabreeze Wealth for assisting Mark and I with our investment property. The whole journey was seamless, and their communication was effortless. A special mention to Sacha, who set ...
Mark Gardiner
The Seabreeze Wealth team are an absolute dream to work with. Sacha offers realistic, attainable advice and Sarah and the team make the entire process simple and easy to understand. We deeply appreciated the detailed information and updates ...
Kate Tulett
When weighing the choice between using a mortgage broker or relying solely on a bank, it's crucial to recognize that your bank may not inform you about potentially more affordable options available from other lenders. In contrast, a mortgage broker provides a thorough comparison of various options. Furthermore, our services incur no cost to you, and satisfaction surveys consistently reveal that mortgage brokers surpass bank managers in customer satisfaction. We handle the complexities of loan applications and negotiate with banks on your behalf.
There are several government grants and incentives available for first-time homebuyers. For instance, the First Home Owner Grant (FHOG) provides financial aid for purchasing or constructing a new home. Moreover, the First Home Loan Deposit Scheme (FHLDS) and Home Builder Scheme offer additional assistance. Property investors may also benefit from tax advantages and depreciation allowances. At Seabreeze Wealth we can provide detailed information on these programs and their potential advantages for you.
Each state sets specific eligibility requirements for the First Home Owner's Grant or Stamp Duty Concession. These usually involve confirming your citizenship or permanent residency status, ensuring that the property's purchase price meets certain criteria, and verifying that it is your first home. You can easily access links to the requirements of each state here.
Many believe our role ends once the loan is approved. While that's a crucial part, our dedication truly shines in our post-settlement service. We actively review every loan every six to twelve months, and we know which banks are open to renegotiating your loans. We're committed to keeping more money in your pocket rather than the banks'.
Certainly. Refinancing an existing mortgage can be a wise financial decision to access better interest rates, tap into equity, or adjust loan terms. As a mortgage broker, I can evaluate your current mortgage and financial circumstances, explore various options available, and assist you through the refinancing process to potentially save money or accomplish other financial objectives.
Seabreeze Wealth Pty Ltd (Credit Representative #555991) is authorised under Australian Credit License #389087. Sacha Harrison (Credit Representative #408801) is authorised under Australian Credit License #389087.
Disclaimer: This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances.
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