OUR SERVICES
Refinancing
Whether you're looking to tap into your home's equity, secure a better interest rate, or restructure your loan to better suit your needs, our team of expert brokers are dedicated to guiding you through the refinancing process, ensuring you make the most informed and beneficial decisions for your future.
And the best part? Our services are completely FREE.
Why you should consider refinancing?
Refinancing your mortgage can be a strategic financial move for various reasons and at different times in your life. You may consider refinancing for a number of reasons, including:
Equity Release
If your property value has increased and you’ve made significant repayments, you might have considerable equity built up. Refinancing allows you to borrow against this equity for purposes like purchasing another property, funding home renovations, investing in stocks, or buying a new car.
Loan Structuring
It’s essential to have a loan structure that aligns with your financial goals. Whether it's adding an offset account, switching to an interest-only loan, or optimising for tax deductions, refinancing can help you restructure your loan to better suit your needs. If it’s been several years since you reviewed your mortgage, now might be a good time to see if better options are available, similar to how you review your car insurance annually.
Exploring Better Options
Sticking with your current bank might not always be in your best financial interest. If current interest rates are significantly lower than your existing rate, refinancing could save you a substantial amount of money. As brokers, we can negotiate with various lenders to find and secure the best deals for you, leveraging our insider knowledge.
Market Changes
The financial market is constantly evolving. By refinancing, you can capitalise on interest rate fluctuations, new loan products, and changes in lender policies to reduce your interest rates or extend your loan period.
Life Changes
Major life events like a growing family, a new job, or approaching retirement might require a different loan structure to accommodate your changing needs.
REFINANCING
How can a Broker support you through the refinancing process?
Refinancing can be complex, but with Fruitful Endeavours, you can feel confident every step of the way. Here’s how we support you:
-
We take the time to understand your unique financial situation and goals. Our tailored advice ensures you choose the refinancing option that best meets your needs.
-
With access to 60 different lenders and the latest market insights, we find the most competitive rates and terms available.
We help you move from one lender to another, and get you all set up with your new lender.
-
Leveraging our strong relationships with lenders, we negotiate on your behalf to secure the best deals. We handle all the legwork, saving you time and stress.
-
Our service doesn’t end once your loan is refinanced. We offer ongoing support to ensure your mortgage continues to serve your financial interests as your circumstances change.
