REFINANCING YOUR HOME OR INVESTMENT LOAN
The first step
What’s changed since you took out your current home or investment loan? Has your family grown in numbers or have you now got plans to renovate? How about interest rates – are you aware of what your current rate is compared with other offers available in the market? You should take stock of your current situation and work out exactly what you want to achieve from a refinance.
Having your property valued
A good mortgage broker in Melbourne can very quickly order a valuation on your home or investment property as well as review your current financial situation. You may also consider a minor facelift of your property before refinancing just to maximise the valuation you receive. Remember valuers measure your property against other comparable sales in your area so timing your refinance to occur when sales are strong can also make a significant difference to your long-term property plans.
Making a plan and finding the right loan
Once you know what property security you have behind you and what your serviceability will allow, you can then look at the options a refinance might give you. This might include a renovation, or a new purchase. At Cursio Group we can assist you to strategise and to select a loan product that will help you achieve your goals.
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Common questions for those thinking of refinancing
Can I save money on my home loan?
When you took out your current loan, did you accept a fixed or variable rate? Also, what was your discount applied? It’s important to know this because as time goes on, rates change. We welcome the opportunity to review your loan and see where you can save money using the current market conditions to your advantage.
Should I consolidate my credit card debts with my home loan?
One of the most common reasons people refinance is to consolidate their debts at home loan interest rates which are much cheaper than credit cards and personal loans. If you have considerable equity in your home, you might be in a position to do this.
How much money can I borrow?
Working out how much you can borrow with one of our brokers is relatively straight forward. With updated information on your living arrangements, household income, expenses, assets and liabilities we can estimate what each lender is likely to offer you before we apply for a top up or new loan.
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CLIENT TESTIMONIALS
Adam Cursio has gone over and beyond in helping us wherever he can with insurance, finance and general business related matters. Thanks for the help over the years Adam.
Adam helped me to negotiate a great deal on my motor policy and we look forward to building our relationship with the team at Cursio Group in the near future.
When my home and business property in Mickleham were caught in a bushfire and the insurance company threatened not to pay my claim in full, Tony Cursio and his team stepped up to the plate in a big way to make sure my claim was paid. I would strongly recommend Cursio Group.
Adam Cursio has always been there for help in business related matters especially in insurance and finance. We have always been able to count on him and his family business who put a lot of passion into their work. Very trustworthy family and happy to recommend Cursio Group to anyone looking for advice.
Cursio Group have helped us to pass as much risk on to insurers as possible. This has allowed us to focus on what we do best, knowing that we are covered and looked after by an experienced team of brokers. Thanks guys!