At Ales Pty Ltd, we understand that refinancing a home loan can be a complex and confusing process. That’s why we are here to help.
One of the key services we offer is low negotiated rates. We understand that every client’s financial situation is unique, and that’s why we take the time to understand your needs and find the best rates for you, so you can save money on your mortgage payments.
In addition to low rates we also help our clients to unlock equity in their home. This can be used for investment or lifestyle purposes such as home renovations, buying a new car, or taking a holiday.
If you’re thinking about refinancing your home loan, please contact us. We would be happy to answer any questions you may have and help you find the best solution for your specific needs.
Should I go fixed or variable?
Whether you should go fixed or variable when refinancing home loans depends on your personal preferences and financial goals. A fixed rate loan means that your interest rate will stay the same for the chosen fixed rate period of the loan, which can provide you with stability and predictability of your repayments. On the other hand, a variable rate loan means that the interest rate can change, which can be beneficial if interest rates decrease, but it also means that your repayments could increase if interest rates go up. Ultimately, it’s important to weigh the pros and cons of each option and consult with a financial advisor before making a decision.
How much can I borrow?
The amount you can borrow when refinancing home loans will depend on your income, expenses, other credit limits, credit score, and the value of your property. Lenders will consider these factors when assessing your application, and will typically lend you an amount that is between 80% to 90% of the value of your property, although this can vary depending on the lender. It’s always best to consult with one of our team to determine how much you can borrow based on your individual circumstances.
How much will my repayments be?
The amount of your repayments for refinancing your home loan depends on the loan amount, interest rate, type of repayment and loan term. We can use our specialised mortgage repayment calculators to estimate your repayments based on these factors.
Who is the best lender for me?
The best lender for you when refinancing your home loan will depend on your financial situation and what you are looking for in a lender. It’s important to compare different lenders to find the one that best suits your needs. Some factors to consider when choosing a lender include the interest rate, fees, loan features and customer service.
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Sed ut perspiciatis unde omnis iste natus error sit voluptatem accusantium doloremque laudantium, totam rem aperiam, eaque ipsa quae ab illo inventore veritatis et quasi architecto beatae vitae dicta sunt explicabo.
