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Refinancing

Ireland Financial, First Home Loans, Next Home Loans, Refinancing, Investment Loans, Lenders

Is there a loan that better suits your needs and can save you money? Asking the question could save your thousands of dollars in interest and help you pay off the loan sooner. Your broker should help to make these questions easier.

Estimate your borrowing capacity, calculate your future repayments or find out how much sooner you could pay off your loan.

Time to refinance?

Your lender is not going to tell you if you’d be better off with someone else, but that’s precisely what your broker should do. Here are some of the reasons to think about refinancing.

A better deal

Your loan may have been competitive when you took it out, but is it still competitive? We will consult our panel of lenders for the most competitive market offers. There is no charge to you, and no obligation on your part.

Finding the Right Home Loan Product

Not all home loans are created equal; they come with varying features and options. Choosing the right one can significantly impact how much you pay over the life of your loan. Switching to a loan that allows more frequent or additional repayments, or one with an offset account or redraw facility, could help you reduce the overall interest and shorten the loan term. Conversely, if you're not using the extra features of your current loan, moving to a more basic loan could save you money.

Debt Consolidation

Personal debts including car loans and credit cards typically attract higher interest costs. Consolidating your debts on a lower interest rate can reduce your interest costs and may also reduce your total repayments. Your broker will help you structure your debts to better meet your objectives.

Cash Out for Your Projects

Whether you're looking to invest, need a new car or thinking of renovating, we can help you access the equity in your property for any legitimate purpose.

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