Refinance

refinance-banner

Unlock Significant Savings With Refinancing

Refinancing isn’t just about reducing your monthly payments; it’s about maximizing your financial gains over time. By refinancing, you can potentially save thousands in interest and accelerate your journey to a mortgage-free future.

Consolidate and Save

Do you find yourself juggling multiple high-interest loans with hefty repayments? It’s time to simplify your finances. Consolidate your loans and refinance with Proteger Financial Solutions to enjoy lower rates and manageable payments.

Don’t Overpay on Your Mortgage

If you haven’t reviewed your mortgage in the last two years, chances are you’re overpaying. Take control of your finances and explore our refinancing options today. Let us help you secure a better deal and save on your mortgage payments.

Start Saving Today

With Proteger Financial Solutions, refinancing is more than just a money-saving strategy – it’s a pathway to financial freedom. Contact us now to learn how you can benefit from refinancing and take the first step towards a brighter financial future.

Get In Touch:

    Why Choose Proteger Financial Solutions?

    Navigating the home loan market can be overwhelming, and that’s where Proteger Financial Solutions comes in. Here’s why partnering with us can make your journey smoother:

    Our team of seasoned finance professionals has in-depth knowledge of the Australian property market and is well-versed in the intricacies of various government schemes and grants. We can also guide you on the process of making an offer.

    We understand that every individual’s financial situation is unique. We take the time to understand your goals and tailor financial solutions that align with your needs and aspirations.

    As an independent finance broker, we have access to a wide network of lenders.. Our wide network  allows us to shop around and find the best mortgage deal that suits your financial circumstances.

    Navigating the paperwork and financial details involved in buying your first home can be time-consuming. Our team ensures a streamlined process, guiding you from application to settlement.

    Don’t navigate the complex world of refinancing and debt consolidation alone. With Proteger Financial Solutions you can enjoy a seamless experience that puts you on the path to homeownership. Contact us today, and let’s turn your dream of owning your home into a reality!

    We offer a great range of home loan solutions.

    FAQ's

    Refinancing can help you:

    • Secure a lower interest rate to save on repayments.
    • Access better loan features, such as offset accounts or redraw facilities.
    • Consolidate debts into one manageable loan.
    • Tap into your home equity for renovations or investments.

    At Proteger Financial Solutions, we’ll assess your needs and guide you through the benefits to ensure refinancing aligns with your financial goals.

    Refinancing could be a smart move if:

    • Your interest rate is higher than current market rates.
    • You want to access your equity.
    • Your financial goals have changed, such as consolidating debt or reducing repayments.
    • You have been with your current lender for more than 2-years. You may be paying a “loyalty tax”

    Proteger Financial Solutions will review your circumstances and help determine if refinancing is the best path forward for you.

    Refinancing costs can include:

    • Discharge fees: Fees from your existing lender.
    • Establishment fees: Charges from your new lender.
    • Valuation fees: To assess your property’s current value (often the valuation fees are absorbed by the incoming bank)
    • Government fees: Such as mortgage registration fees.

    We’ll calculate these costs and compare them to your potential savings to ensure refinancing delivers value.

    Refinancing usually takes 2-6 weeks, depending on factors like:

    • Your lender’s processing times.
    • The complexity of your financial situation.

    Proteger Financial Solutions will streamline the process, minimising delays and stress so you can start benefiting sooner.

    Typically, you’ll need:

    • Proof of income (e.g., payslips or tax returns).
    • Details of your existing loan.
    • Evidence of expenses and liabilities.
    • Property information (e.g., valuation).

    We’ll provide a detailed checklist to ensure you’re fully prepared for a smooth refinancing experience with Proteger Financial Solutions.

    Key features to explore include:

    • Offset accounts: To reduce the interest payable on your loan.
    • Redraw facilities: To access extra repayments when needed.
    • Flexible repayment terms: Options for interest-only or variable repayments.
    • Fixed or variable interest rates: Flexibility of repayments, or protection against interest rate increases

    We’ll help you match these features with a loan tailored to your lifestyle and financial goals.

    A fixed rate offers repayment stability, while a variable rate provides flexibility to benefit from rate drops.

    Our experts at Proteger Financial Solutions will guide you through the pros and cons of each option to find the right fit for your needs.

    Yes, refinancing allows you to unlock your home equity, which you can use for:

    • Renovations or upgrades.
    • Investments or purchasing another property.
    • Covering major expenses, like education or travel.

    Proteger Financial Solutions specialises in helping clients strategically access their equity while keeping costs manageable.

    Yes, refinancing can combine high-interest debts (e.g., credit cards or personal loans) into your home loan, often at a lower interest rate.

    We’ll help you structure your loan to simplify repayments and reduce overall costs.

    Most lenders prefer at least 20% equity, but some allow refinancing with as little as 5% equity (often with Lenders Mortgage Insurance).

    With Proteger Financial Solutions’ extensive lender network, we’ll assess your equity position and explore the best options for your situation.

    Yes, but your options may depend on factors like:

    • Changes in income or employment.
    • Your credit score and current debts.

    We’ll review your current financial situation and find solutions tailored to your unique circumstances.

    Avoid pitfalls like:

    • Focusing solely on interest rates without considering fees.
    • Refinancing too frequently and incurring extra costs.
    • Not aligning your new loan with your long-term goals.

    Proteger Financial Solutions will guide you through the process to avoid costly mistakes and maximise your benefits.

    You should review your loan every 1-3 years or if:

    • Interest rates drop significantly.
    • Your financial goals or situation change.

    Proteger Financial Solutions review your loan at least annually to ensure it remains competitive and aligned with your needs.

    Benefits:

    • Lower interest rates and repayments.
    • Access to better loan features.
    • Debt consolidation and equity release.

    Risks:

    • Upfront costs, such as exit fees.
    • Longer loan terms increasing overall interest.

    We’ll help you weigh the pros and cons, ensuring refinancing is a sound financial decision for you.

    Ready to Get Started? 

      (08) 6246 2680