Easy Steps To Refinance

Refinance You Home Loan Today!


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Make mortgage Refinancing work for you

If you have an unreasonable rate and want to obtain a better interest rate with a lower monthly repayment, we can refinance your home loan for you. If you just want some money and want to use your home’s equity to borrow against, check out the benefits of home loan refinance.

Refinance Your Home Loan To Loosen Up Capital

refinancing Means Enjoying…

With refinancing, you replace your current mortgage with a new loan — that means a new interest rate, new payment and new terms, all in your favour.

Refinancing Your Home To Loosen Up Capital
Refinancing Your Home To Loosen Up Capital

Why Refinance Your Home Loan?

Are you paying way too much interest?

Home Loan Refinance can help Reduce
High-Interest Credit Card Debt

When you refinance your home loan, you can borrow money against your home if you have home equity. To do this, your new loan must be higher than the balance of your current mortgage.

Home loan refinance can help pay bills or give you money for a surprise expense. Since your refinance home loan is significantly cheaper than loans from your credit card companies, you’re saving more in the long run. Even if you have bad credit, our bad credit refinancing solutions can be catered to your particular situation.

If you are looking for home loan refinance, the friendly team at Australian Lending Centre can give you the information you need to see if mortgage refinancing is right for you.

Refinancing Your Home To Loosen Up Capital
Refinancing Your Home To Loosen Up Capital

We Make home loan refinance easy

We make home loan refinancing through Australian Lending Centre a seamless process. Our specialist home loans team work hard to formulate the best home loan refinance package for your current mortgage and situation. Even if you have bad credit or no credit, we look for ways to we can qualify you and get started. Bad credit home loan refinance is one of our specialties. Be confident you are in good hands. Our goal is to put your finances in better order, so that you can manage your budget more effectively.

Bad credit home loan refinancing may sound hard but with Australian Lending Centre, we can simplify the process.

Do you offer bad credit refinance?

Yes! There is always a possibility to do refinance your home with bad credit. Some things you should be aware of that refinance lenders will want to know are is the existing equity in your home and proof of employment and a record of sound financial management.

Our bad credit refinance specialists will tell you everything lenders will be on the lookout for as well as be able to answer any questions you may have. As with any refinance, bad credit refinance has pros and cons that you will need consider. Pros can include a lower rate than you currently pay, reduce repayments, access to equity and more while cons can include a longer loan life, more payments, or more.

Refinance your mortgage

Top 5 Benefits of Home Loan Refinance

benefits of refinancing pay for renovations

1. Lower repayments, lower interest rates or greater flexibility

If you need home loan refinance, a certified specialist at Australian Lending Centre can give you the most up-to-the-minute information you need to make the move to refinancing your mortgage.

Refinancing a mortgage puts home equity to good use, allowing you to access to lower interest, lower repayments and flexibility.

Gain greater control over your finances. Make the choice to lower repayments, lower interest rates and change the main features of your current home loan.

2. Refinance to consolidate high interest rate debts

Refinancing your mortgage allows you to consolidate debts like credit card debts, store card debts and personal loans. You can take care of your high-interest debts easily when you refinance your home loan.

Sometimes, if you may need bad credit refinance and your high interest debts are dragging your credit rating down. We con help combine them with your home loan refinance so you pay less interest.

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benefits of refinancing pay for surgery and medical bills

3. Save time by only making one repayment instead of several

If you choose a refinancing package that allows you to consolidate debts, you’ll be able to save time each month by making only one repayment instead of several. If you are struggling to keep track of multiple debts, this can even prevent bad credit in the long run. We even offer bad credit refinance.

4. Switch to or from a variable or fixed rate home loan

One of the great benefits of refinancing is that you can change the interest-rate terms. You may want to take advantage of a low variable rate, or lock in an interest rate you’re happy with by choosing a fixed rate.

At the Australian Lending Centre we understand that people have different financial requirements. For this reason, we offer a host of different loan products for refinancing, from a variety of lenders so that we can best cater to each client’s individual needs.

If you’re buying a new home, purchasing an investment property or just refinancing to unlock home equity, our refinance consultants can help you quickly identify the best refinancing product on the market to help you achieve your goals in the soonest possible timeframe.

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benefits of refinancing buy a car

5. Access the equity in your home, to refinance:

For more information contact the Australian Lending Centre today.

Home Loan Refinance in 4 Easy Steps

Fast Refinance Process

In 4 Simple Steps

Home loan refinance can be a stressful exercise. Our goal is to make it as streamlined as possible for people to identify the right home loan refinance product you’ll need to achieve a better outcome. Here’s our step-by-step guide to home loan refinance.

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Call for home loan refinance on 1300 138 188

Not everyone get a great deal with their home loan. If you need bad credit refinance, we can find you the best deal with your current situation and credit rating.
Call us!

Apply for Home Loan Refinance in 30 seconds

When you apply for home loan refinance online using our contact form, we do not look at your credit history and it won't impact your credit score in any way.
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Home Loan Refinance FAQ's

Refinancing loans can be defined as financing (something, generally a home) again, typically with new loans at a lower rate of interest. By replacing the terms of the initial credit agreement, you can achieve favourable changes as a result. Including lower interest rates, more favourable repayment schedules and more flexible terms. Having a refinance application approved replaces the existing contract with your newly agreed upon, refinanced contract.

Why can I get better rates by refinancing?

There are a number of reasons why you can get better rates by refinancing. These can include:

  • You have a better credit score compared to when you first applied for finance
  • You now have more equity in the asset which you are looking to refinance
  • There has been a shift in national economic rates
  • The lender is doing an introductory offer

By taking on a new loan with a lower interest rate, refinancing can save you thousands of dollars each year. It is said that an interest-rate saving of 1% is enough of an incentive to refinance. As well as money-saving benefits, refinancing can also provide an opportunity to change your repayment length to better suit you. If you would rather make bigger monthly payments and pay off your debt faster then you might choose a shorter loan term, whereas if you would prefer to make lower repayments each month and spread the debt over a few extra years then this could also be a possibility. Call an expert today on 1300 138 188 and learn more about how you could take advantage of refinance.

Refinancing your home loan can be a fast and efficient process. The process of initially getting in touch to receiving your new refinance agreement can take a matter of days.

  1. Take 30 seconds to fill out an online enquiry form here.
  2. One of our finance specialists will be in touch within 24 hours.
  3. After reviewing your situation, we will make a decision on your home loan refinance.
  4. If approved, you could start your new finance agreement within the next 48 hours!

Learn More about Refinancing

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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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In reality, it only makes sense to get a second mortgage when you don’t have ready access to funds but want to pay for your mortgages and other high-interest debts. It is also a practical and low-cost alternative for those who want to start a business.

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What Happens When You Default On Home Equity Loans?

If the value of your home, or the amount you paid for it, is higher than your first mortgage or the principal, it means that you have equity in your home. You can tap into your equity by applying for a loan, secured by it.

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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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Top Reasons for Refinancing Your Home Loan

You may have heard a lot about the mortgage term ‘refinancing’. Used effectively, refinancning your home can be a great way to consolidate debt, release home equity and get a better interest rate.

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