We’ll cover off some initial questions to better understand your current situation, how much equity you have and your refinancing goals.

This gives a complete snapshot of your current financial situation and background, including current loan structure and refinancing goals.

We’ll review and assess your current loan structure, income and expenses, compare market rates and fees, and possible equity position to determine potential borrowing capacity, suitable lenders, likely loan structure and feasible loan repayments.

We’ll prepare a written recommendation outlining most suitable lenders, interest rates & lender fees, projected monthly repayments and best approach for refinancing based on your goals.

We’ll help you complete and lodge a bank discharge form – the most important step when refinancing – which advises your current bank that you’re leaving and ensures they release your current mortgage in timely manner.

Once you’ve agreed on the new loan for you, we’ll help you complete the loan application, gather supporting documents and submit on your behalf to the lender.

Once your loan is approved, we aim to have your loan offer sent to you via email within a few days. In most cases Renee will meet with you to sign & witness the new mortgage offer and answer any questions you may have.

We contact the new bank to confirm receipt of your signed loan offer, communicate regularly with the settlement team to ensure your settled is booked and ready to proceed. Renee will be your single point of contact every step of the way, from initial discussion of your refinancing needs all the way through to settlement, and even post settlement to help you with loan maintenance.