Switch And Save On Your Home Loan with eChoice

  • We compare 100's of first home buyer loans from 25+ lenders.
  • Get your free home loan health check, face to face or over the phone.
  • Save time and money as we find the best rates to suit you and help you with the paperwork.

PLUS receive your FREE Refinancers Guide when you speak to eChoice – cost and obligation free.

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Why Refinance?

Today's competitive home lending market makes refinancing much easier than in the past, and there are many good reasons to consider refinancing. Perhaps your financial circumstances have changed, you've started a new job or are dissatisfied with your existing lender. Maybe your current mortgage no longer suits your needs. Refinancing your mortgage can save you money in the long run if done correctly. No two home owners are the same, so speak to a qualified eChoice mortgage broker to find out if refinancing could benefit your situation.

When To Refinance

The aim of refinancing your home loan is usually to save money, or to keep up with your changing circumstances. So, for a refinance to be successful you must consider both the market and your own individual situation. If your credit history has improved or your income has increased, you may be eligible for a lower interest rate. Does your home loan offer a competitive interest rate? Are you happy with your current lender? Have they provided you with a quality service? If not, you may consider refinancing to get better services and additional features.

Refinancing Costs

Refinancing can be time consuming and costly, especially if you don't do your homework before changing lenders. Before you refinance there are several aspects to consider, including break costs, interest rates and the value of your property. As can be expected, refinancing your mortgage can involve a number of fees and charges. It's important to speak to your eChoice mortgage broker about all the possible fees and charges to determine whether refinancing is a cost effective move for you.

Your Refinancing Home Loan Health Check

The reality with refinancing is that many home loan holders rarely consider their home loan, let alone review it. The typical home loan holder will only think about their mortgage when it comes time to sell their home and buy another one. Despite this, financial experts suggest that all home loan holders should review their mortgage at least once every two years. Contact an eChoice mortgage broker for a free home loan health check, to determine whether refinancing could help you save thousands over the term of your loan.

How an eChoice Mortgage Broker Can Help

An award winning eChoice mortgage broker will be able to compare 100's of loans from over 25 lenders to find a loan product that best suits your needs. Plus, your dedicated mortgage broker will guide you through the entire home loan process - they're with you from start to settlement, and they'll even take care of the paperwork. All eChoice brokers are fully accredited and are members of the Mortgage and Finance Association of Australia (MFAA) and/or the Finance Brokers Association of Australia (FBAA).

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