Refinance your Loan
Take advantage of better rates on the market and start saving
Take advantage of better rates on the market and start saving
Refinancing your mortgage or loan can seem like a daunting step, but it's a powerful way to take control of your financial future. At Linton Finance, based in Kellyville, we understand the nuances of refinancing, offering tailored advice that aligns with your unique financial situation and goals. Whether your fixed rate period is ending, you're aiming to release equity in your property to buy your next home, or simply seeking to consolidate debts and reduce loan repayments, we're here to guide you through the process.
Choosing Linton Finance for your refinancing needs means gaining access to a wide array of loan options from banks and lenders across Australia. Our experienced Finance & Mortgage Brokers excel in matching you with the best-suited options, considering not just interest rates, but also loan amounts, terms, and even your credit history. We recognize that finding a lower interest rate or better loan terms can significantly impact your monthly budget and long-term financial health.
Refinancing allows you to adapt your mortgage to fit your current needs. Whether it's accessing a lower interest rate, changing your loan term, or releasing equity to finance another property, our team makes the application process straightforward. We'll assist you with the necessary paperwork, including bank statements, to ensure your application progresses smoothly.
At Linton Finance, we pride ourselves on providing a personalised service. We analyse your financial situation thoroughly to recommend the best course of action, aiming to offer options that could lead to better loan conditions, making your financial goals more attainable. With Linton Finance, refinancing isn't just about changing your loan; it's about creating opportunities for a brighter financial future.
Get an estimate of your savings in less than 60 seconds
Initial Review:
Begin by having a discussion with one of the Linton Finance mortgage brokers. We’ll take the time to understand your current loan set up and the interest rate and fees your being charged. We will use our advanced lending calculator to review 35 lenders in the market to compare you rate to which will give you a rough idea of the savings opportunity in front of you.
Fact-Finding:
We'll collaborate with you to gain a comprehensive understanding of your financial situation, including your financials, assets, and credit history. This helps determine your borrowing capacity. Our brokerage utilises Financevault and a stream of digital first assets to make this process fast, secure and seamless.
Approval Process:
Once your refinancing application is approved, we’ll outline the new loan terms, including potential rate discounts and flexible repayment options. We’ll also explain any fees or considerations like loan-to-value ratio (LVR) and lender-specific requirements, ensuring you feel confident about moving forward.
Settlement and Transition:
When your refinancing is finalised, your new loan will replace the old one, and any extra funds—if you’re accessing equity—will be made available. We’ll guide you through the transition process, from finalizing payments to setting up your new repayment plan, ensuring everything runs smoothly.
Post Settlement:
Our work together has just begun, as part of the Linton Finance difference we support you in keeping your interest rate honest. If we feel as though your rate isn't competitive, we will reach out and advise you of the latest offers in the market or negotiate on your behalf with your bank.
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Nathan was a treat, he made the process really simple. He was super quick responding to all my questions and was able to get the loan approved for my wife and I at a rate we were happy with. Would definitely recommend
We’ve used multiple brokers in the past and Nathan has been by far the best. He was very thorough and broke things down for us, making things easy from start to finish. Highly recommend!
Linton Finance and Nathan was absolute pleasure to deal with. He helped me get the best deal which I'm very happy with. Made the process so easy and stress free. I have already recommended him to others and will do the same in the future. Looking forward to the continued partnership. Thank you
We recently engaged Nathans broker services to assist us as our main preference was not to change banks. Not only was he able to cut through the noise with the bank directly and explain our situation, he also accommodated and reviewed our existing interest rate to do better then what was offered by the bank.
Big thank you to Nathan. Such an informative and stress free experience. Highly recommend and will 100% be back.
Nathan is a gun of a broker. Took the time to understand my unique situation and came up with solutions that was relevant to me. I will definitely be using Linton Finance again.
A mortgage broker acts as an intermediary between you and potential lenders. They assess your financial situation, help you understand your loan options, and find the best mortgage rates available. We help you compare products from 30 banks and lenders, saving you time and effort, and guide you through the application process to secure the best deal tailored to your needs. As we are not tied to any particular bank we give you a biased free advice and work solely towards helping you achieve your requirements and objectives.
Yes, using a mortgage broker is often the best option for most homebuyers. Brokers have access to a wide range of lenders and can tailor mortgage options to suit your financial needs. They help save time, guide you through the paperwork, and ensure you find the best deal available based on your unique situation.
Mortgage brokers in Australia typically charge no upfront fees as they are paid a commission by lenders for securing loans. However, some brokers may charge a fee for specialised services or complex cases, so it's important to confirm fees upfront before proceeding. At Linton Finance we do not charge our customers a fee should we take you on as a customer.
All of our Mortgage Brokers are accredited and members of the Mortgage and Finance Association of Australia, Registered with AFCA and we partner with Australian Finance Group giving us the best access to technology for our clients.
Absolutely! Mortgage brokers can negotiate rates with lenders on your behalf. Since we work with multiple lenders, we have the flexibility to secure better terms and help you find the most cost-effective mortgage options available.
We love helping First Home Buyers! We're experts at the entire process and can help you get the right Home Loan. We're also across the various schemes to help First Home Buyers such as the First Home Owners Grant and the various stamp duty exemptions available.
No, you don’t have to meet in person with a mortgage broker. We offer online consultations via Zoom and can handle the entire process remotely, including submitting documents and discussing loan options on a phone or video call. We understand that not everyone works 9-5 pm and you may have commitments such as family, sport or social outside of work. The flexibility we offer makes it convenient for you to work with us regardless of location.
It typically takes a mortgage broker 24 to 48 hours to provide you with loan options after gathering your financial details. The process may take longer if your situation is more complex or requires additional documentation. However, we work quickly to ensure you receive competitive options in a timely manner that meet you requirements.
Linton Finance Pty Ltd ABN: 30 676 911 210. Credit Representative #560299 is authorised under Australian Credit License #389087
Disclaimer: This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances.
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