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Home & Investment Loans

Refinancing your home loan

We can review your current home loan to ensure you still have the right product for your needs. Don’t assume that just because your loan was once competitive, it still is. Interest rates change and different types of loans are always entering the market. We will:

  • Assess your current interest rate;
  • Assess your repayment level; and
  • Assess your financial situation to determine whether a better deal can be sourced saving your money and helping you pay off your loan faster

We have access to a panel of approved lenders who can offer competitive quotes and products to meet your specific financial needs.

Tips to pay off your home loan faster

  • Select a home loan that meets your needs. While the rate is important, it is more important to have an appropriate level of flexibility and function
  • Pay off as much as you can, as often as you can
  • Avoid loans that penalise you for making extra repayments
  • Avoid ‘honeymoon’ loans that revert to a higher rate after the ‘honeymoon’ period is over
  • Avoid loans with high exit costs
  • Deal with reputable organisations

Fixed or variable interest?

This really depends on your current financial situation. We can help you select the right type of loan, building in the cost of every-day living to determine how much you can afford to repay each month.

There are advantages and disadvantages of choosing fixed and variable interest loans, and they are assessed on a per client basis.

We can help you select either a:

  • Fixed interest loan
  • Variable interest loan; or a
  • Loan comprising of part-fixed / part-variable interest

Hidden home loan costs

There are many costs associated with taking out a home loan, which don’t relate to the price of the property.

These hidden costs include:

  • Lenders' fees, including loan application and establishment fees
  • Government charges and title fees;

  • Legal expenses; and

  • Inspection costs

Contact your accountant at Winn Croucher Partners on (02) 9959 4855 to discuss how we can help you to obtain a new loan or to refinance an existing loan.

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