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What is refinancing?

Refinancing refers to the process of paying out your current home loan by taking out a new loan, either with your existing lender or through a different lender. You could get a lower interest rate and reduce your monthly repayments or you could fix your rate for a certain period and have the security of fixed monthly repayments. 

Potential reasons to refinance

Get peace of mind

Get peace of mind with a fixed rate, or to reduce your monthly payments.

Take advantage of different features

Select a home loan with more flexible features such as redraw and offset facilities, plus having the ability to split fixed and variable interest options. 

Consolidating other debts

Consolidate credit cards, personal loans or other debts to reduce your interest rate and monthly repayments. 

Unlocking equity

Unlock the equity in your home to finance a renovation, or even to unlock some capital for an investment property. 


Mortgage Broking FAQs 

What does an Ask 4 Finance Home Loan Specialist do?

Our Home Loan specialists are highly skilled and accredited to act as the middle person between a borrower and a lender. We work for you not the banks, and we take our job of negotiating the very best loan outcomes on your behalf and helping you find the right home loan that fits in with your own needs and financial goals very seriously. 

How much does it cost?

Our home loan service is at no cost to you.  The other great news is that with access to over 30 different lenders on our panel, we might just find you a home loan deal that you didn’t think was possible.

When should I see a Home Loan Specialist?

You can meet or even have an initial short phone conversation with an Ask 4 Finance Mortgage Broker at any point, whether you’re just starting to think about buying your first home or looking to invest or refinance. Even if you have some questions about your current home loan that are bugging you and you need some answers now!

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What happens next?

When you meet with one of our Home Loan Specialists, they’ll discuss your individual circumstances and mortgage needs. They’ll then use our live loan qualifying software program to compare hundreds of home loans and find the one that’s right for you.  Once we have established some options for you we will present a home loan solution for you to consider.

Call to speak with a Home Loan Specialist today on 1300 769 177.

Our Mobile Lender, Brett Ginn, is available to speak with you 24/7 on 0407 450 125.

If you would like us to make contact with you at a time that suits you, complete our online enquiry form here and we’ll be in touch!


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