Refinance Loans, Home Refinance, Mortgage Refinance - Honey Loans

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Mortgage Refinance Loans
 

  • What Is A Refinance?
  • Why Refinance?
  • How Do I Refinance
  • Is Refinance Always A Good Idea



What Is A Refinance?

Refinancing involves switching your current mortgage to a new loan.

Why Refinance?

There are a number of reasons why you may consider refinancing you existing mortgage. Some of the potential benefits to you are:

  •  save money in interest repayments, fees and charges;
  • reduce monthly repayments by extending the term of the mortgage;
  • consolidate your other existing debts such as personal and car loan, credit card debt etc., into your mortgage;
  • revalue your property and draw down some of the increased equity for home renovation, investment, business or personal purposes;
  • offers better flexibility and is more suited to your current needs;

 

How Do I Refinance?

Refinance is easy with the help of Honey Loans. An obligation free appointment with a lending consultant will allow you to explore all of the options available and select a solution that best meets your needs.

The rest is arranged by the lender or their Mortgage Manager:

  • a professional valuation of your property is organised to confirm that it offers the lender sufficient security for the loan;
  • you will need to complete a loan application, and provide the necessary supporting documentation;
  • lender makes a formal offer of loan which you will need to accept;
  • shortly after this the refinance is finalised and the new funds are released to you.

 

Is Refinance Always A Good Idea?


You need to consider some of the following in making your decision:

  • Payout Penalties imposed by your current lender. These can be quite high especially if you have recently taken out a fixed rate or a discounted loan. Sometimes it is best to wait until you are out of the penalty period.
  • Your outstanding loan balance. If your balance is quite low and you do not intend to draw out any of the available equity in your property in the immediate future, then refinance is not for you. 
  • In summary, a successful refinance will deliver to you savings which substantially exceed the associated costs. To find out if Refinancing can help you please request an appointment with a Lending Consultant. 


Click to request an appointment your Mortgage Refinance !

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