Home Loan Refinancing

JKK Solutions Home Loan Refinancing Services

If you have had your home loan for a while you may now recognise that what you need in a mortgage has changed. You may have discovered that there are new features available from lenders that you would like to add. Also, and probably most importantly, you will have seen your interest rate fluctuate, especially since the cash rate from the RBA has increased of late, and you want to ensure you have the best rate possible. If you are considering reviewing your options, below is some information on home loan refinancing. With our help we could find you a more suitable mortgage and save you money.

JKK Solutions - Refinance Your Home Loan

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.

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We Talk With 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. 

Lets Save You Money

We strive to find you the best interst rate possible and help to save you money in the long run. 

5 Star Reviews

We have so many 5 star reviews from happy clients, we would love to add you to the list of satisfied clients we have helped!

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An Award Winning Mortgage Broker

We are passionate about helping people navigate their way around the finance world.  Mortgage broking is not only about finding the best rate, it is about being their for our customers, every step of the way.  Our team have been recognised for outstanding service, excellence in their fields and as up and coming in the industry against major players. If you have had trouble getting a loan from your bank, talk to us and we can take the hassle out of getting a loan. 

2021 – The Adviser – Australian Broking Awards – New Office of the Year – Finalist

2021 – The Advisor – Better Business Awards Vic/Tas – Best Independent Office (5 Brokers or Less) – Finalist

2021 – The Advisor – Better Business Awards Vic/Tas – Rising Star – Finalist

2021 – AFG Excellence Awards – Winner

2020 – AFG Excellence Awards – Finalist

2020 – MPA Young Guns

2018 – Young Leaders in Finance Awards – Finance Broker of the Year – Finalist

2018 – AFG Excellence Awards – Finalist 

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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.

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