Refinance your Loan
Seabreeze Wealth will help you take advantage of better rates to refinance your Home Loan or Investment 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.
We recently used Sacha and her team to purchase our Gold Coast home and had an amazing experience! Communication and knowledge were excellent and we felt supported through the whole process. We already plan on returning to Sacha for future financial needs for our renovations. Highly recommend! Thanks again guys!
Thank you Sarah and Sasha for helping us with purchasing our property ! We really appreciated their efforts and time to get the deal done ✔️ Thank you again . Mark and Tracey
Thank you so much to Sacha, Sarah and the team. The whole process to refinance was so easy. We highly recommend Seabreeze Wealth!
Despite how little we had to work with, Sacha and her team have really come through for us! Very, very impressed with how fast and capable they were and how quickly obstacles were overcome. Would genuinely recommend! 10/10
I have found Sasha and her team with Seabreeze a God sent regarding the ease and the speed of processing documentations for a home loan, looking forward in building a strong friendship with them all while I have a home loan
Sacha, Sarah and the team were fantastic in giving us hope to get back into the housing market. Sacha was patient and fast to respond and we are so grateful for their assistance in securing our loan.
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.
Palm Beach, QLD & Warners Bay, NSW
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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