Refinance Your Home Loan
Looking to refinance your home loan?
Chardon can help you find a better interest rate on your mortgage.
Specialist Advice
Get Approved
Multiple Options
Our refinancing experts will get you the best home loan available.
We are experts at finding lenders that will approve refinancing home loans.
There are many options available to be able to refinance your home loan.
How can I benefit from refinancing?
Depending on your goals, the benefits of refinancing can include:
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Getting a better interest rate to reduce the size of your mortgage.
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Reducing your monthly repayments.
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Consolidating debt such as credit cards, car loans, or tax debt into one monthly repayment.
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Getting competitive interest rate by refinancing to a major lender after fixing past credit issues.
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Accessing equity to renovate your existing property, to build something, to buy an investment property, to go on a holiday, or just to have some cash in the bank.
What's the process for refinancing my home loan?
Our experienced mortgage brokers can help guide you all the way through the mortgage refinancing process by doing the following:
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Investigate and shop around for a mortgage.
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Apply with the chosen lender (this is all you’ll need to do). If you’re using a mortgage broker, they will do all the shopping around for you and recommend the most suitable mortgage and submits your application on your behalf.
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Refinancing is the same as applying for a new loan so you’ll need to provide standard supporting documents such as your identification, bank statements and payslips/tax returns.
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Once the application is submitted, the lender may require that your property be revalued.
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The lender will submit a discharge form to your state’s Land Titles Office to close the old mortgage account.
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Your new mortgage is used to pay off your old mortgage.
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You start paying your new home loan – usually within a month of settlement.
Will be better off refinancing my home loan?
This depends on the current financial situation you are in and the current interest rate and loan type you have.
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Your mortgage may already be the best deal for you.
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You’ll need to consider any upfront and ongoing costs associated with your existing mortgage and switching to the new one.
Think about why you would want to refinance?
Everyone's situation is different and you should take into consideration whether it is really worth refinancing your current loan.
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Are you looking for a lower interest rate?
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Are you looking for a better service?
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Are you concerned about fees and other costs?
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Are you looking for new features or options such as flexible repayments, redraw facilities, and account splitting?
How does it work?
With Chardon Home Loans, we take a personalised approach to help you get your existing mortgage refinanced and approved from our network of specialist lenders.
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Book a meeting with one of our brokers
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Provide us with some information about your financial situation
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We find lenders that offer a suitable loan solution
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Submit your loan application
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Get Approved!
Eligibility and approval is subject to standard credit assessment criteria.
For more information please download our credit guide.
Client Testimonials
Read some of what our clients have experienced choosing us as their mortgage broker.
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