There are numerous ways your loan can be paid off early over the long term, such as paying fortnightly instead of monthly. Or making extra repayments. Some banks issue fees for early repayments. To ensure you maximise your chances of paying off your loan early and will not have to pay a fee fact check all of your options with your lender and or broker.

If you are thinking of refinancing your home loan you have come to the right place. There are many reasons to look at refinancing a current loan.

There are a number of benefits which refinancing your home loan may offer such as:

• Lower interest rates
• Variable interest rates
• Consolidate debts
• The term of the loan

Small differences to interest rates can also impact your long-term financial obligations.

There are some situations where refinancing should be avoided. Ensure you discuss your options with your broker or lender to ensure you making the best decision and getting the best deal.

It is best to apply for a loan before buying property or investing. A good broker can help you to determine the size of the loan you are eligible for and ensure that your loan application is correct. Your broker will provide you with the full range of lenders and rate options available to you. Lenders will assess your loan application by your credit rating, job, income and ability to service your loan should your circumstances change.

The Finance And Property Specialists Pty Ltd office is located at 42/8 The Avenue of Americas Newington, (the Sydney Olympic Park area of Sydney). Did you know, we can come to you? If you call us on 0405 096 574, we can arrange to come and see you on a day, time and place which suits your schedule best.

We provide for a wide range of business refinancing, some common reasons people apply for business refinancing loans are:

• Secure a more competitive interest rate
• Switch between variable/fixed rates
• Get access to equity from a property for extra working capital or funds
• Consolidate different debt into one loan
• Access to business cash flow and funds when needed.

Our brokers can offer our expertise and knowledge of the lending and finance industry and can help you to find lenders who can offer you the most competitive rates and deals.

We have access to loan products from:

• Major banks
• Building societies and credit unions
• Specialist lenders
• Private lenders

We know the lending criteria of most banks and lending institutions and can help to ensure that your chances of getting approval are maximised.