Home Loan Refinancing

Unlock Better Rates & Equity | Finco Capital

Is your current home loan truly working for you? Refinancing goes beyond simply securing a lower interest rate—it is a strategic financial tool that can reduce your repayments, unlock equity, and better align your mortgage with your evolving goals. Finco Capital specialises in guiding homeowners through the refinancing landscape to unlock meaningful savings and opportunities.

As your dedicated mortgage broker, we simplify the entire process. We leverage our extensive lender panel, comparing hundreds of products to find a loan perfectly suited to your objectives—whether to save money, consolidate debt, or invest in your future.

Why Consider Refinancing?

Secure a Lower Interest Rate: Even a fractional reduction can translate to substantial savings over your loan term.
Reduce Monthly Repayments: Free up cash flow to focus on personal or investment goals.
Access Your Home Equity: Unlock funds for renovations, additional properties, or other significant expenses.
Consolidate Debt: Combine high-interest debts like credit cards or personal loans into your mortgage, often at a lower rate.
Update Loan Features: Transition to loans offering favourable features like offset accounts or redraw facilities.

The Finco Capital Refinancing Process

Free Loan Health Check: Comprehensive review of your current loan and financial goals to identify savings and opportunities.
Find Your Best Match: Extensive lender panel search for competitive, tailored options.
Manage the Application: Complete paperwork and lender negotiations handled on your behalf.
Support to Settlement: Guidance through every stage for a seamless loan transition.

Why Choose Finco Capital for Refinancing?

Save Time & Money: We handle the research and negotiation to secure the best deal efficiently.
Expert Guidance: Strategic advice including break-even cost analysis to ensure refinancing benefits.
Exclusive Deals: Access to special offers and competitive rates from strong lender relationships.
Holistic Financial View: Lending solutions integrated into your broader wealth-building strategy.

Check Your Refinancing Savings Book a Free Refinancing Assessment

Frequently Asked Questions

What are the main benefits of refinancing?

Lower interest rates, reduced repayments, equity access, debt consolidation, and loan feature upgrades.

How do I know if refinancing is right for me?

When you can secure better rates, access equity, or consolidate debt. We calculate costs including exit and application fees to ensure financial sense.

What documents do I need?

Payslips, bank statements, ID, and details of your current loans and liabilities, with clear guidance throughout.

How long does refinancing take?

Typically 4 to 8 weeks, varying by lender and application complexity.

Can I release equity for another property?

Yes. Equity release is a popular strategy for funding further property investments.

What costs are involved?

Potential discharge fees, application fees, and government charges explained transparently upfront.

Disclaimer

General information only. Does not constitute personal financial advice. Consult professional advisors. Loan terms and eligibility depend on lender criteria and credit approval. Savings are illustrative and vary individually.