Home Loan & Personal Debt Refinancing
Time to look at restructuring or refinancing your home loan? Or consolidating your debts eg. credit cards, personal loans, or car loan.
Refinancing through a mortgage broker is not just about securing a better rate, it’s about helping you get into a better financial position and (hopefully) reduce your debt faster.
This may include:
- Release equity for home improvement projects
- Buying an investment properties or share portfolio
- Consolidating your debts
- Paying out your home loan sooner
- Using equity to fund your next big holiday, or
- Using equity to help your kids buy a home of their own
No matter your individual circumstances, RD Finance Solutions refinancing specialists can help you.
Our expertise includes changing the structure (or split) of your loan, this could include a combination loan of both fixed and Variable rates, reducing (or extending) the loan term, taking out an additional loan, securing finance for renovations or investment use, consolidating your debt, or even simplifying your monthly commitments.
What Our Clients Say...
“Renee was extremely helpful in sorting out a mortgage for my first house, she went above and beyond to help me out. Would definitely recommend her to everyone.”
“Being self-employed is at most times, quite annoying and time-consuming when seeking finance. Whether it's a need to refinance, fund business equipment or other related reasons, it can simply be a nightmare. At every step, Renée has made the financing process easy and swift. Her professionalism streamlined through every step to reach a perfect outcome for our needs. We are very thankful we found Renée and we highly recommend her to anyone seeking her services.”
"Renee has been so incredibly helpful in arranging finance for our recent investment purchase. She definitely knows what she's talking about and was always able to answer our questions in a clear way. We will definitely use Renee's services again and can't recommend her more highly. Many thanks Renee!"
"My husband and I have just refinanced through RD Finance and couldn't be happier .. Renee went above and beyond to accomodate our needs and what we were looking for. Highly recommend- and best of all owning our home sooner !!"
"Where there is a will there is a way - Renee had the will and found the way securing my home loan against extraordinary odds. A life long dream of building my 1st home after 22 years of renting became a reality with Renee's exceptional industry knowledge and commitment. For ever grateful."
"Renee has been an absolute pleasure to deal with and has provided exceptionally professional service throughout the entire process . She has made it such a stress free purchase that we have been able to focus on the excitement that should go with buying your first home ! thank you so much ! We strongly recommend RD Finance Solutions to everyone !!"
"Great friendly , proficient and professional. expeditiously guarantees best possible results for her clients. Will definitely be a repeat customer. Thanks Renee !!!"
"Great customer service. Renee is genuinely interested in helping the consumer get the best value for money. Great business culture that is very rare to find these days. Will definitely use her service again."
"Renee is an amazing broker, she is full of help and nothing is too much trouble for her. Renee has a huge amount of industry experience and most importantly, she is independent and therefore works in our best interests and not the banks."
"If you're after the best then you've found it! Renee has been brilliant from start to finish. Excellent knowledge and communication. We highly recommend RD Finance."
"Renee deserves way more than a 5 star rating! We honestly couldn’t have done it without her. After a very stressful month, banging our heads against the walls we finally settled and it wouldn’t have happened without her hard work and commitment. Renee will forever be apart of our lives and will ALWAYS have control of our future finances. Renee is very flexible and was always willing and able to meet with us after hours and even continued to work on our file after hours. We are very thankful and grateful for her hard work"
Why Choose RD Finance Solutions?
Single point of contact - available when you are
We can be easily contacted 7 days a week, on your availability. We don’t work standard business hours. With a single point of contact from beginning to end.
Seriously. We’re not a boring finance brokerage firm, just ask any of our clients who repeatedly tell us that we make finance exciting (and easy to understand).
Tailored finance solutions from a qualified broker
We’re your trusted finance professional, the Alfred to your Batman, offering tailored advice based on your personal circumstances.
We don't treat
you like a
Because you’re not! We genuinely care about our clients and take our role very seriously, even if our personalities are a little on the wild side.
What's the Process?
Here’s what you can expect working with RD Finance Solutions. Click on each step for more information:
1. Initial Phone Call to Discuss Your Needs
We’ll cover off some initial questions to better understand your current situation, how much equity you have and your refinancing goals.
2. Complete our 'Client Information Form'
This gives a complete snapshot of your current financial situation and background, including current loan structure and refinancing goals.
3. Review and Assessment
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.
4. Written Recommendation
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.
5. Discharge Authority
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.
6. Loan Application
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.
7. Approval and Loan Offer
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.
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