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Refinance

Is there a better option for me?

 

 

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Your trusted finance team through your unique journey

Reviewing your home loan on an annual basis at the bare minimum is highly recommended. The main reason people get in contact to look at home refinancing is that their existing bank is not giving them the best deal.

Sometimes you can accumulate other debts like car loans, personal loans or credit cards and want to refinance these by unlocking equity in your property. Another circumstance is if you start to consider your next financial goal like an investment property or buying shares and want to see if you can unlock some equity.

We conduct a full review of your circumstances and your existing home loan and analyse your situation against the best potential offers in the market.

We will review up to 50 different lenders and see who are the most suitable for your current and future financial goals. Different lenders have different risk measurements and we always find valuations changing between bank to bank. The variance between valuations can mean substantial financial differences, especially when factoring LMI (lenders mortgage insurance) into the equation.

The four main reasons to refinance are:

  • To negotiate a better deal with your current lender
  • Debt consolidation
  • Accessing equity for investment or home improvement purposes
  • Refinance to a new lender, should we be able to get a better deal

Before recommending our advice, we conduct a full financial health check and come up with three strategies. Typically they consist of ‘our recommended’ strategy, ‘second-best’ and ‘good alternative’ strategies.

Together with our product expertise and professional knowledge and know-how, we will find a suitable strategy for you. Best of all the service is free of charge as we are remunerated by the lender.

getting into it with these tools and guides

Choosing from over 2,500 different home loan options means you can find the right loan for your individual needs. Plus, our experts will negotiate on your behalf to get you the best deal possible.

getting approved for a home loan

Whether you’re planning on selling your home soon, refinancing your home loan or are simply curious about how much your home is worth, appraisals and valuations can provide a lot of insight. We’ll explain what the difference is between a property appraisal and a formal valuation, as well how to increase your home’s value.

A property appraisal is essentially an estimate of your home’s value conducted by a real estate agent. Agents will compare your property

A fantastic experience with this team. A particular shout out goes to Tayla, her service has been rapid and also very simple to understand.
Iain Grundell Avatar
Iain Grundell
2/29/2024
01. We get to know each other

Tell us a bit about yourself, your needs and home loan preferences. We’ll ask about your income, expenses, credit history, employment history and any current loans. You can complete this in your own time. Your application will be securely saved and waiting for you.

02. We find the right loan for your circumstances

Tell us a bit about yourself, your needs and home loan preferences. We’ll ask about your income, expenses, credit history, employment history and any current loans. You can complete this in your own time. Your application will be securely saved and waiting for you.

03. We do the work and settle your loan

Tell us a bit about yourself, your needs and home loan preferences. We’ll ask about your income, expenses, credit history, employment history and any current loans. You can complete this in your own time. Your application will be securely saved and waiting for you.

04. We keep looking after you

Tell us a bit about yourself, your needs and home loan preferences. We’ll ask about your income, expenses, credit history, employment history and any current loans. You can complete this in your own time. Your application will be securely saved and waiting for you.

common home loan questions

How much does it cost to use the Fundd service?

It usually costs you nothing to use fundd to get your loan. This is because we are paid by the lender with who we align you with.

In nearly all refinances, we save you a ton of money and improve your financial situation. You literally make money from us working for you.

How is this possible? The lender’s profit share with us. They opt to do this as we do all the leg work and introduce you to them. This means the lender does not need to pay for home loan writers of their own and the administrative tasks stay with Fundd ongoing too.

In rare circumstances, we need to charge a fee. If this is the case we will tell you upfront why and how much this fee will be. A fee is usually systemic of a complex lending situation.

How much can I borrow?

Head over to our calculator’s page and check them out! We have the best calculators in the business. These, of course, are not a reflection of individual banks borrowing assessments.

We can complete an accurate borrowing assessment after you fill out the client centre and we get to know you better!

How do I get started?

You can start with either questionnaire on the home page, talking to us via our chat widget, email or phone us 🙂

Do I need a conveyancer?

Yes. Whether you’re buying or selling you will need one. Contact us and we will gladly recommend a professional based on your situation.

We do not get paid for our conveyancer recommendations or share any commission payments with any of our legal professionals.

How much is stamp duty?

Head over to our calculators page and use our stamp duty calculator! We have the best calculators in the business.

 

What discounts do first home buyers receive?

You may be eligible for stamp duty rebates, first home buyers grants, or other government schemes. It will depend on what state you are in. It is best to contact us and we will let you know!

What states do you help with loans?

Australia wide. We have offices in QLD & WA and we plan to open offices in other states very soon.

Irrespective of where we are located physically, we can connect with you from our office or home-based office and assist with any of your Australian lending needs!

Do I have to see you in person?

Definitely not. The coronavirus completely changed the way we did business. Although you will see us face to face at some stage, it will usually be done via google meets, zoom or skype!

We can still cater for an in-person meeting. It is best to call, chat first and then we will arrange a time that suits you!

Do I need to submit paperwork to get a loan?

Yes absolutely! Would you give someone a loan without getting to know them?

We will only collect the information we need. The information will be sensitive and personal so we will definitely take great care of it.

We do not want any physical documents sent to us as we will not return them back to you. Please only send us soft copies as part of the fact find through our client centre.

We utilize Cashdeck to securely collect your bank statements and our CRM Mercury will store all your personal information. Head over to our privacy policy and have a read.

Will you send a recommendation?

We’ll crunch all the data and make a recommendation that we believe best serves you.

We will send you a compliance document outlining why we recommended it and how it meets your needs!

At any time if you are unhappy with the recommendation, contact your broker or team@fundd.com.au and we will review it!

We’re here to help

Our experts will help you search, choose and settle your home loan. Chat to one of our Home Loan Specialists at a time that suits you.