Our Home Loan Refinance Service
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"Our expert mortgage brokers can help you get a better rate or help you cash out for business or another property"
Are you planning to refinance
your home loan?
Get the Financing You Deserve
Wondering if you can save on your home loan repayments by moving to a cheaper rate home loan? You can also refinance to cash out from your current property equity to purchase another property or invest in something else entirely.
Ours refinance specialist home loan brokers make sure that, you can take full advantage of any available cost-saving interest rate offers by the banks. Our mortgage brokers can also help you cash out from your existing property equity for investment or business purposes. Simply call us or book online for a premium home loan broker service for free.
Want to refinance to save on your home loan repayment or cash out to renovate or buy another?
Supporting clients with home loan refinance
The Government’s comprehensive package to improve housing affordability is primarily focused on helping first home buyers or new entrants to the property market. However, there are state and bank policies that are specially designed for owner-occupied property owners and property investors to get the most out of their circumstances. You can save a lot on your home loan repayments if you are proactive and take benefit from all the cash offers and refinance to a cheaper rate home loan during the period of the life of the loan which is ap. You also might have a hard time securing the loan amount you want or the home loan terms suitable for you. Call us or send us a message today to find out more about how we can arrange the right home loan fast and easy for you.
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To support the property owners and investors, the available options are:
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1. Refinance and negotiate a better rate home loan to save on the loan repayments
2. Refinance to equity release to purchase another property using the current property and the new property as collateral
3. Refinance to cash out up to $100K to invest in any venture (renovation, business, holiday, etc.) the client wants
4. Refinance to invest more than $100K - $1 million into commercial ventures or properties
5. Refinance to receive cash back bonus from the lender to cover all the refinance costs and potentially save on repayments from a lower rate home loan
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Current home loan refinance cashback offers from various lenders 1st Sept 2020
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1. ANZ Refinance Cashback offer is $3000
2. CBA Refinance Cashback offer is $2000
3. Westpac Refinance Cashback offer is $2000 per property
4. St George Refinance Cashback offer is $2000 per property
5. Bank of South Australia Refinance Cashback offer is $2000 per property
6. Suncorp bank Refinance Cashback offer is $2000 (Up to $749K) or $3000 (above $750K)
7. NAB Refinance Cashback offer is $2000 per property
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Current Government HomeBuilder Renovation Grant
It is a $25,000 tax free grant designed for owner occupiers and first home buyers only. It is federal government scheme initiated since August 2020 to help continue the Australian residential construction industry and trades activity in general. See the eligibility criteria and conditions below.
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1. You are a first home buyer & the new property value or construction cost is less than $750K.
2. You are an owner-occupier & your property value is less than $1.5M and the renovation cost is between $150K-$750K.
3. You are an Australian Citizen (Parmanent residents, company, trusts, owner-builders are not eligible).
4. The build or renovation contract is signed by 31st December 2020 and the construction work has to start within the 3 months of the contract signing date.
5. The grant is given to buyers or owner-occupiers after the construction work has started and the first progress payment for the construction has been made. The owner occupied renovators have to provide proof of renovation (signed contract) to State Revenue Office to receive the grant after the work starts.
How we help our clients?
Easy and Convenient
See the benefits of using our expert mortgage brokers for your home loan.
1. Right Loan
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We find the right home loan at a great rate from a wide range of home loan offers.
2. Free Expert Advice
You don't miss out on any available grants or concessions for your property financing.
3. Peace Of Mind
Knowing that a home loan expert is looking out for the best deal for you.
4. Convenience
Our brokers will come to you & take care of the application until the home loan is settled.
5. Timely Funding
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Get the home loan amount you want in a timely manner without any stress.
6. Premium Service
Most importantly you will get a five-star mortgage broking service and advice for free.
Compare & save on your home loan repayments
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Current Loan Amount
Current Interest Rate
Current Loan Term
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Total amount
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New Loan
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Total amount
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Total interest
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Savings
Savings on repayment
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Savings on total Interest payable
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The Documents Required For Home Loan Refinance Approvals
Documents For Employees
Identification
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1. Drivers license copy
2. Passport bio-pages copy
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Proof of Income & Savings
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3. Two recent pay-slips from current employers
4. Salary account statement for the last 90 days
5. Savings account statement (if there is any)
6. Notice of Assessment (NOA) from ATO
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Proof of Expenses & Liabilities
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7. Everyday account statements for the past 90 days
8. Any credit card statements for the last 90 days
9. Any car loan or personal loan statements for the last 90 days
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Property Ownership & Costs
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10. Council rate notice
11. Current home loan statements for the last 6 months
*more documents might be required based on individual circumstances.
Documents For Self-Employed
Identification
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1. Drivers license copy
2. Passport bio-pages copy
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Proof of Income & Savings
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3. Business account statement for the last 90 days
4. Savings account statement (if there is any)
5. Notice of Assessment (NOA) from ATO
6. Tax return documents of the latest year
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Proof of Expenses & Liabilities
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7. Everyday account statements for the past 90 days
8. Any credit card statements for the last 90 days
9. Any car loan or personal loan statements for the last 90 days
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Property Ownership & Costs
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10. Council rate notice
11. Current home loan statements for the last 6 months
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*more documents might be required based on individual circumstances.
Documents for Company
Identification
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1. Drivers license copy of directors
2. Passport bio-pages copy of directors
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Proof of Income & Savings
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3. Company/business account statement for the last 90 days
4. Profit/Loss statement for 12 months
5. Notice of Assessment (NOA) from ATO for each director
6. Company tax return documents of the latest year
7. Ownership structure ASIC report
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Proof of Expenses & Liabilities
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8. Business day to day account statements for the past 90 days
9. Any business financial statements for the last 90 days
10. Any business-related asset finance (eg. car loan or equipment loan etc.) statements for the last 90 days
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Property Ownership & Costs
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11. Council rate notice
12. Current home loan statements for the last 6 months
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*more documents might be required based on individual circumstances.
Available Home Loan
Refinance Options
Your Financing Options
When it comes to finding a mortgage, the possibilities are endless. However, being overwhelmed by mortgage choices doesn’t mean that, you should take whatever is offered to you first. Contact us for more information about different types of home loans and we’ll be happy to explain those options and help you find the one that suits your needs and preferences best.
Variable Rate Mortgage
The Right Loan for You
Refinance to a variable rate mortgage is very popular in Australia. Golden Key Mortgage & Finance finds its clients among the most competitive interest rate loans to refinance. We would be happy to discuss the details of the variable rate mortgage and customise it in order to suit your specific needs and financial situation. Are you wondering if you have a good rate? Contact us to find out if you’re eligible, and whether this would be a good fit for your needs.
Fixed-Rate Mortgage
A Brighter Future
It’s easy to get lost while navigating all the different types of loans available for home loan refinancing. The Fixed Rate home loan could be the right one for you, but it’s important that clients understand all implications before signing something they could later regret. Contact us now in order to discuss the benefits and disadvantages, and together we’ll decide whether this is the right refinance option for you.
Split Rate Mortgage
Prospective Property Owners
We have been helping clients around the Sydney area with their real estate investments. The Split Rate Mortgage is popular for some, but may not be appropriate for everyone. Call us to learn more about the implications and to find out whether this would be a good mortgage for your financing needs. We will provide all the necessary information for you to make an educated decision so that you can relax knowing that, you made the best decision.
Interest only Mortgage
Savvy Property Investor
You repay only the interest on the borrowed amount usually for the first one to five years of the loan, although some lenders offer longer terms. Your monthly repayments are lower because you’re not paying off the principal. At the end of the interest-only period, you begin to pay off both interest and principal. These loans are especially popular with investors who plan to pay off the principal when the property is sold, having achieved capital growth.
Low Doc Mortgage loans
Loan for Self Employed
Low Doc home loans are designed for self-employed people who don’t have all the financial documents providing proof of income usually required to secure a home loan. The low-doc mortgage loan can be both variable and fixed-rate home loan. Navigating a path through the mortgage maze can seem confusing – especially with so much document required by different lenders. Golden Key Mortgage brokers in Sydney will help you along the entire process.
Other Common Mortgage types
Seasoned Property Owners
There are so many other types of home loans available in the market catering to different kinds of home loan borrowers. The following loans are very specific and suits borrowers with certain circumstances such as Construction Loans, Introductory Rate Loans, Bridging Loans, Line of Credit / Equity Line, Reverse Mortgage etc. Call a Golden Key Home Loan Broker in Sydney today and take the guessing part, out of your mortgage financing plan.
Contact us for more details about the types of loans we offer to our clients.
