Are you looking to refinance home loan to a better interest rate?

Yes, our brokers are available after hours and on weekends for appointments. Clients have the option of meeting with a broker at our Hobart office or fully at distance through a combination of phone, email, and video meeting.

Mortgage brokers receive a commission from the bank, which allows most brokers to offer their services to clients for free. Mortgage brokers have a legal obligation to disclose how much they are receiving, and to act in the best interests of the client.

Choosing between fixed and variable interest rates depends on your risk tolerance and future financial plans. Fixed rate home loans offer stability as your repayment amount will remain the same. But a fixed rate loan can somewhat restrict access to certain mortgage features & make it more difficult to refinance in the future.

Variable interest rates offer more flexibility and can potentially save you money but are more volatile as your repayment amount could increase or decrease depending on market conditions. Speak with a mortgage broker about which choice is best suited for your situation.

We have multiple solutions for clients who are credit impaired. Certain banks are willing to lend to these types of applicants, but usually at a higher home loan interest rate and fees.

What separates us from other brokers is that we have a potential way to get credit impaired clients a standard home loan with normal interest rates and fees. If you’d like to find out more, book an appointment with one of our mortgage brokers to discuss your financial situation and refinancing options.

An offset account is a bank account which is linked to a home loan. Any cash in this account can reduce the amount of interest you pay on a mortgage by offsetting the balance of the account against the loan balance.

Using an offset account can be beneficial if you want to reduce the amount of interest being charged on your mortgage and enable you to pay down the loan faster. However, it can often come with additional yearly fees or a higher interest rate. Depending on how much cash you’re planning on keeping in the offset account will determine whether it’s worthwhile having.

Equity in a property is the difference between its market value and the outstanding loan balance owed on it. For example, if the property value is $800,000 with a $500,000 loan, then the equity amount is $300,000. How much equity do you have in your home? Let us help you find out.