Refinance your current loan
What to Consider Before You Refinance
Refinancing can be a smart move - but it is not always the right move for everyone. Before you jump in, ask yourself:
- Has my financial situation changed?
Better income, reduced debts, or improved credit can unlock better loan options. - Do I know the costs involved?
Switching loans may come with discharge fees, break costs (for fixed loans), or new lender fees - but these can often be offset by cashback offers or long-term savings. - What are my goals?
Whether you’re aiming to lower repayments, borrow for renovations, or consolidate debt, your refinancing strategy should align with what matters most to you.
At Hunter Mortgage Consultants, we can run the numbers and clearly explain the pros and cons - so you can make an informed decision.
Life evolves. Your loan should too.
What worked for you when you first got your home loan might not be the best fit today.
Whether your financial goals have changed, interest rates have shifted, or you simply want a better deal - refinancing could put you back in control.
We can help you explore smarter options that match where you are now - and where you’re headed next.
When should you Refinance?
Better Rate
FIXED RATE ENDING
FIXED RATE ENDING
Paying more than you should?
Time to shop around. Interest rates are constantly changing. If it’s been a few years since you last reviewed your loan, there’s a good chance you could secure a lower rate - potentially saving thousands over the life of your loan. Even a 0.5% reduction can make a big difference.
FIXED RATE ENDING
FIXED RATE ENDING
FIXED RATE ENDING
Your fixed term is expiring - what’s next?
When your fixed-rate period ends, your lender typically reverts you to a higher variable rate. This is the perfect time to reassess your options. Potentially lock in a better deal elsewhere, or negotiate with your current lender before they bump up your repayments.
RENOVATE
FIXED RATE ENDING
RENOVATE
Need extra funds to upgrade your home?
Whether you’re planning a new kitchen, adding an extra room, or refreshing your backyard, refinancing can help unlock the equity in your property to fund your renovations - all without taking on potentially expensive personal loans or credit card debt.
INVEST
A LIFE EVENT
RENOVATE
Time to grow your portfolio?
If you’re considering purchasing an investment property, refinancing can help you release equity to use as a deposit – or improve your borrowing position with a better rate and more flexible loan structure. Let your home help you build wealth.
CONSOLIDATE
A LIFE EVENT
A LIFE EVENT
Multiple debts? Let’s simplify
Juggling credit cards, personal loans, or car finance? Refinancing may allow you to consolidate all those debts into one home loan with a lower interest rate – potentially reducing your monthly repayments and helping you regain control.
A LIFE EVENT
A LIFE EVENT
A LIFE EVENT
Major life change? Your loan should adapt too
Starting a family, changing jobs, going through a separation, or retiring - life events can shift your financial needs. Refinancing could help keep your loan keep up with your life and provides the flexibility & features that suit your situation today.
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