Easy Steps To Refinance

Home Loan Refinance

Refinance Your Home Loan To Loosen Up Capital

refinancing Means You Can you can enjoy:

Lowering your monthly payment — typically by over 25%!
Build equity in your home faster
Change your type of loan to something more convenient and flexible
Manage your credit effectively
Access equity in your home to pay debts!
Pay off your mortgage faster

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

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.

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.

Top 4 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.

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.

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

Renovate and improve your family home
Purchase an investment property
Take a holiday
Plan a wedding
Purchase a motor vehicle
Pay urgent bills, such as medical bills and tax debts
Free up some cash to invest in the recovering stock market

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.

Apply now!

Step 1: Contact us to identify the best refinancing products on the market

It takes less than 1 minute to fill in our enquiry form, begin by clicking the Enquire Now button. We’ll provide a complimentary ‘home loan health check’ for you and will compare all of the refinancing options available, helping you to identify the right one for your needs.

If you need refinancing, a certified specialist at Australian Lending Centre can give you the information you need to see if our refinancing options are right for you.

Step 2: Complete an application to refinance your mortgage

Once you’ve selected the refinancing option that best suits your circumstances, our refinance consultants will guide you through the application process and will arrange approval on your refinance. At this stage we’ll issue you with a ‘letter of offer’ for your refinancing option. As soon as you accept the offer, you’ll be on your way to a new and improved home loan.

Step 3: Approval of your home loan refinance

Once your refinance application is approved, we’ll keep you informed of the progress of your refinance at each stage, right up to settlement.

Step 4: Celebrate! Your refinance is complete

The refinance of your loan(s) is completed at this stage. If you have chosen to access some of your home equity, you can now draw the funds. If you are not quite ready to access your funds, they can remain in an off-set account which can save you money on interest repayments until you are ready to access your home equity.

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 now

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.

Fast Application!

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Home Loan Refinance FAQ's

What is Home Loan Refinancing?

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 with home loan refinance?

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

Is home loan refinancing a good idea?

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.

How to refinance a home loan?

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.

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

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pros and cons of refinancing||Pros and Cons of Refinancing

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Easy Steps To Refinance

Home Loan Refinance

Apply For Home Loan Refinance

Make mortgage Refinancing work for you

Refinance Your Home Loan 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

We Make home loan refinance easy

Do you offer bad credit refinance?

Top 4 Benefits of Home Loan Refinance

1. Lower repayments, lower interest rates or greater flexibility

2. Refinance to consolidate high interest rate debts

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

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

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

Home Loan Refinance in 4 Easy Steps

Fast Refinance Process

In 4 Simple Steps

Step 1: Contact us to identify the best refinancing products on the market

Step 2: Complete an application to refinance your mortgage

Step 3: Approval of your home loan refinance

Step 4: Celebrate! Your refinance is complete

Call for home loan refinance on 1300 138 188

Apply for Home Loan Refinance in 30 seconds

Home Loan Refinance FAQ's

What is Home Loan Refinancing?

Why can I get better rates with home loan refinance?

Is home loan refinancing a good idea?

How to refinance a home loan?

Home Loan Refinance on The Blog

Join ALC's Money Bootcamp

Fortnightly Free financial Fitness Tips and Techniques

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