Home loan refinancing

JKK Solutions Home Loan Refinancing Services

Refinancing your home loan is a fantastic way to get a lower home loan rate and save money on your repayments and monthly interest. With recent RBA cash rate increases, now is the time to reassess your lender and review your current home loan situation. You may have also discovered that there are new features available from other lenders that you would like to add and will be more suitable for your circumstances.

If you are considering reviewing your home loan options, and are considering refinancing your loan, below is some additional information on home loan refinancing. With our help we could find you a more suitable mortgage and save you money. Please get in touch with our team to discuss how we can help you.

Why Choose JKK Solutions

Expert Knowledge

Our team are highly experienced, have great relationships with banks, and are experts in getting you the lowest interest rate for your circumstances.

 

No Charge To You

Our refinancing services are at no cost to you, however you may incur fees or charges from a new bank which we take into consideration when presenting you with the best options.

We Talk To The Banks

We take the stress off submitting the forms, applications and dealing with the backwards and forwards with the banks. Let us do all the hard work for you.

Let’s Save You Money

We strive to find you the best interest rate possible, helping to save you money in the long run.

 

Unbeatable Reviews

We are an award winning and highly regarded finance broking firm with hundreds of five star Google reviews from our trusted customers!

Outstanding Services

We aim to provide the best service to our customers through knowledge, our great network of lenders, and well documented processes.

Tools and Calculators

Home Loan Repayment Calculator
Simple Mortgage Calculator

Input

$.00
4%
0%20%
30years
1years50years

Monthly Mortgage Payment

Get in touch with JKK Solutions and find out how we can get you the best mortgage for your situation. 

Amortization Calculator
Amortization Calculator
$
%
%
years
years
Payment period must be less than Amortization term!

Totals

$

$

$

$

$

$

$

If you would like some advice as to how to get a better result, please enter your details below.

Proud recipients of

An Award Winning Mortgage Broker

The team at JKK Solutions are able to offer comprehensive finance solutions to all sorts of customer groups. We take time to understand our customer’s long term goals and we are very proud to be part of their journey. The team is passionate about what they do and how we can help our customer to achieve their dreams.

Contact us

Find out how much you could save!

Contact Us

Refinancing Frequently Asked Questions

What Is Refinancing?

Home loan refinancing is the act of moving your home loan from one lender to another, usually to get more benefits or a better interest rate. Refinancing is a service provided by brokers where we help you to easily compare and contact banks on your behalf to make this an easy and stress-free process.

When you refinance, you payout your current home loan with a new one that offers more suitable conditions for your current needs. Benefits of doing this may include a better interest rate, flexible repayment options or the ability to pay more off each month so you can own your home sooner. Whatever the case we can help you discover what your options are.

Now is a great time to compare home loans and ensure you are getting the right rate and features for your needs.

Why Would I Refinance?

There are many reasons why people choose to refinance. Here are a few:

  • Get a lower interest rate.
  • Update features of the loan such as flexible repayments or use an offset account.
  • Access equity. This gives you options to use your money elsewhere e.g. renovate or purchase an investment property.
  • If you are reaching the end of a fixed term rate period and want to shop around.
  • Consolidate debts. Managing your finances can be time consuming so consolidating debts such as credit cards and personal loans can often be moved into your mortgage so it’s easier to manage.

Refinancing is a great way to ensure you are still getting the best deal for your situation, as over time our needs change and the banks rates and offerings do too. We recommend that you consider assessing your loan situation every 2 years to ensure you’re not paying too much or if a refinance could simplify your current situation in some way.

Why Use JKK Solutions To Refinance Your Home Loan?

JKK Solutions are experts in home loan refinances and we have been helping customers save money for many years. We are a passionate and dedicated team who pride ourselves on our friendly and professional service and help that we provide.

When you choose JKK Solutions for your home loan refinance, we:

  • Compare home loans that offer a better rate for you.
    We have excellent relationships with the banks and can easily find the best home loans on offer.
  • Explain your options around loan features, fees and charges and find the most suitable for you.
  • Find ways to save you money on your repayments.
  • Make changing loan providers a simple process, we will deal with the banks on your behalf and simplify the application processes.
  • We have extensive experience in the banking industry, which enables us to deliver the best service and results. Take a look at our Google Reviews to see what our customers say about us.
What Are The Fees To Refinance?

While the process of refinancing itself is actually free of charge to you, there may be upfront or ongoing costs connected with your current home loan that will need to be paid. This may include a mortgage registration fee, exit fees or settlement fees. We will go through what fees are associated with your loan and take them into consideration when reviewing a new loan plan ensuring you are getting the best mortgage option.

To speak to us about your refinancing options please get in touch by phone, email or by filling in your details below. We are sure we can find you the best options for your home loan – and if we don’t – there is no charge to you for exploring the options so you have nothing to lose.

What Is The Process Of Home Loan Refinancing?

At JKK we will handle it all for you. Here is a summary of the process required for home loan refinancing:

  1.  Understand what is required of a new mortgage. E.G. Better interest rate, more flexibility etc.
  2. Review lender options to find new mortgage conditions that may be more suitable for you.
  3. Ensure any fees associated with exiting the current mortgage are considered and making the change is worthwhile.
  4. Once a suitable mortgage is found the application process will begin which is the same as applying for a new mortgage. This involves providing documentation including ID, bank statements, payslips, tax returns.
  5. Submit the application. Once this has been completed the lender may want the property to be valued. This will be organised by the bank and the mortgage broker and someone will come to your home to provide an estimated home value to the bank.
  6. The new lender will submit a discharge form to your state’s Land Title Office requesting to close the old mortgage account.
  7. The new mortgage will be used to pay off your old mortgage.
  8. You will be all set up with your new home loan and you will begin paying this off.

To find out more about refinancing your loan, please get in touch with our friendly team.

Contact us via email info@jkksolutions.com.au or phone (03) 8849 0131.