Blog Category: Refinance and Refinancing

Our news section is to help debunk myths around money, empower you financially and written by experts such as ALC CEO Christopher Riotto and his specialist team. Learn to save, spend wisely and get debt under control.

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ALC Blog
what is a good car finance rate
Personal Loans
Jack Richings

What Is a Good Car Finance Rate?

Buying a new car is really exciting, but finding the right finance rate depends upon your individual circumstances. Find out what is a good car finance rate here.

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the benefits of refinance
Refinance and Refinancing
Jack Richings

The benefits of refinance

Most people lock themselves into a loan and chip away at it slowly over the years, without looking into their options and re-evaluating things down the track. The truth is, refinancing your loan can offer you so many benefits and it is definitely something you should be considering.

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ways to refinance your home
Refinance and Refinancing
Jack Richings

5 Things To Consider When Refinancing Your Home

Ever got yourself in a circumstance where you need to replace your current home with a new mortgage? Well, home refinancing is precisely that – getting a new mortgage loan to replace the existing home loan.

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money bag home and mans hand in sunlight represent the benefits of paying off mortgage quicker
Refinance and Refinancing
Jack Richings

How Can I Pay Off My Mortgage Quicker?

If you become trapped in a bad cycle of debt and you cannot make loan payments, the banks can opt to sell your home to recover any capital. Don’t be in debt all your life, or risk losing your dream home. Instead, pay your debts off quickly and live financially free.

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bad credit home loans||bad credit home loan||low doc home loans
Refinance and Refinancing
Diane Challis

Will Lender Approve a Home Loan With Unpaid Defaults?

If you have missed payments on your credit card or from a personal loan lender, you have the right to receive a Default Notice which specifies the number of payments you failed to pay and other requirements of the credit contract that you haven’t complied with.

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refinance for self employed
Refinance and Refinancing
Christopher Riotto

Guide: Refinancing for Self-Employed Aussies

Self-employed borrowers encounter difficulties when they’re looking to refinance their loan. This happens because financial institutions will take a closer look at their income and are sceptical due to not knowing how their business is going to progress.

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pros and cons of refinancing||Pros and Cons of Refinancing
Refinance and Refinancing
Diane Challis

Refinancing Analysed: Pros and Cons

Refinancing can be a convenient option in many cases, regardless if you are hoping to get a better interest rate or attempting to consolidate your

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Rent VS Buy
Home Loans
Diane Challis

Do Rentals Mean Losing Money?

The general, common saying that living in rentals equals to throwing money away is certainly not new, is it? And at first, it would seem

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consolidation loans
Refinance and Refinancing
Diane Challis

Aussies in Debt

December 2009 was the largest monthly spend by Australians in history, increasing the average credit card balance to $3,250. The majority of Australians are well

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refinance interest rates
Refinance and Refinancing
Diane Challis

Now is the Time to Refinance

After the RBA’s decision this week not to increase interest rates at present – home owners should consider refinancing right now. Refinancing your home loan can

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refinance home loan
Refinance and Refinancing
Diane Challis

Refinance for a Better Home Loan

It is estimated that 30-40% of home loan applications are people interested in refinancing their mortgage. More than two-thirds of people who refinanced their home

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refinance your loan
Refinance and Refinancing
Diane Challis

Time to Refinance

A recent industry study has shown that 38% of all mortgages arranged in May were for refinancing purposes, while only 15.4% of all mortgages were

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refinance home loan
Refinance and Refinancing
Diane Challis

Consumers Unhappy With Their Mortgage

In the financial market today, competition among banks and lenders tends to run high to try and land clients. As the consumers are first pulled

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Benefits of Mortgages
Refinance and Refinancing
Diane Challis

Benefits of Downsizing Your Home & Mortgage

The amount of people downsizing to smaller homes is adding even greater pressure to property prices as empty-nesters and households under financial stress compete with

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Discover your fresh start loan options

What we do

Australian Lending Centre is the country’s largest provider of alternative loan products, debt consolidation services and refinancing for over 30 years.

We’re not like your average bank. We don’t have extensive queues that make you wait weeks for funding and we don’t discriminate based on credit history.

Why choose ALC?

We’re not like your average bank. We don’t have extensive queues that make you wait weeks for funding and we don’t discriminate based on credit history.

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We can help

Our team understands that not everybody is struggling, some people just need a better loan term with the highest quality of service and transparency.

Frequently asked questions about Australian lending centre

FAQ's

Whatever your situation, you are bound to have questions about our process, products and services, which we've compiled together for you.