Refinancing

Coburg-2000x1500.jpg.jpeg — Your choice of bank may be a big decision, but it doesn’t have to be a lifetime one!

With the competition between banks and non-bank lenders increasing, there has never been a better time to reassess your current loan.
Refinancing home loans is one of our specialties and with our broad industry knowledge of lender policy and available home loan products we can potentially save you thousands – making your refinancing process run smoothly and profitably!

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Frequently Asked Questions

+ What is refinancing?

Refinancing is the process of taking out a new mortgage to repay an existing loan: often because there has been a change in your personal or financial situation, or simply because you want a better deal on your home loan.

+ Why should I be refinancing?

The decision to refinance your home depends on many factors, including the length of time you plan to live there, current interest rates, and how long it will take to recoup your closing costs.

In some cases, refinancing is a wise decision. Given your circumstances you may now have the option of securing a better deal, consolidating debts, or unlocking equity in your current property.

In other cases, refinancing may not be worth it financially, which is why talking to your resident Resifin Home Loans expert is your best course of action. Not only will we give you honest advice but also save you time and energy spent looking in the wrong direction.

+ How easy will it be to gain approval for a new loan?

Because you already own the property, refinancing will likely be easier than securing your initial loan. If you have owned your property or house for a long time and built up significant equity, that will also make refinancing easier providing your incomes can cover the new loan and existing debts and living expenses.

+ What is the cost of refinancing?

There are closing costs and establishment fees involved in refinancing. Your outlay will need to cover charges for Landgate fees, attorney’s fees, an appraisal, taxes, and transfer fees, among others. It is important to consider how long you plan to continue living in the home as this will let you know whether you will be able to recoup these fees in the long run. 

+ How does the application process work?

Here at Resifin we process your application for you meaning you get to sit back and rest easy, knowing your application has been completed by an experienced professional.

The best part? our service is completely free as we are paid by the lender, not you!

What Our Clients Are Saying

Testimonials

“Keith is very personable, professional and knowledgeable mortgage broker. Should I require another home loan, I certainly won’t hesitate to contact Keith. His attention to detail and follow up is excellent. I will definitely be recommending friends to phone Keith when I hear my friends say they are looking at purchasing a property.”

– Lydia

“As a first home buyer and completely foreign to the pre-approval, mortgage, and settlement process Keith has been an invaluable wealth of support and knowledge through the entire home loan process. Keith and Resifin Home Loans made a daunting undertaking much more manageable by providing great communication, financial advice, and solutions for my situation that went above and beyond expectations. I couldn’t recommend Keith enough to anyone looking for solid and supportive financial and home loan guidance that you will have complete confidence in.”

– Ben

“Keith made the purchase of my new home a truly seamless experience. From my first consultation to signing the approved home loan documents his professionalism, approach-ability and friendliness put me at ease during a very stressful time. He went the extra step to ensure I was kept informed and all deadlines were met. I would highly recommend Keith to anyone.”

– Jenny

“Keith is reliable, trustworthy and easy to work with. I have no hesitation in recommending his services to anyone looking for finance or refinance options. He will return your call immediately and no question is too hard. The best way to describe Resifin is you get old school service, the latest technology and Keith's genuine interest will mean you get the best rates. There is a reason every rating is five stars. If there were six stars, I would have chosen that!”

– Jo

“Keith has been professional, knowledgeable, organised and efficient. Buying a family home can be stressful but having Keith on board made things much easier.”

– Les & Julie

“Keith is a professional. He made the whole process so very easy for me…. which is just what I wanted. Nothing was an issue and he promptly responded to all my queries. Thank you for providing excellent and very personal service.”

– Terri

“Keith did a fantastic job in arranging the finance for our Holiday/Investment Property. We found Keith very personable & professional. We would have no hesitation recommending Keith to family and friends.”

– Greg & Gemma

“Keith has been a valuable guide throughout the home loan process. He is accommodating and is a great communicator. We have been very happy with Keith and Resifin Home Loans.”

– Saan

“Keith is an extremely conscientious and careful broker. Have always admired the way he comes across and his support in helping others manage their mortgages and housing financing. Would not bother going to anyone else.”

– Luke

“Right from day one, Keith was open and honest about finding us the right mortgage offer. He is extremely knowledgeable and gave us a huge amount of advice throughout the whole process. We can't thank Keith enough for making our journey as smooth as it was.”

– Chloe & Macaulay

“For over thirteen years Keith Begley has assisted us with all our financial needs: from a first time buyers loan to purchasing rental properties and refinancing to get the best deal available. In each case Keith has demonstrated a depth of knowledge coupled with an open, can-do approach.”

– Phil & Anna

“My experience with Keith was outstanding. He is entirely trustworthy and explains the details in favour of his client with options for saving. My Home loan process was made seamless by Keith with his professional approach and his vast market knowledge. If I had to buy another house, my first choice would be Resifin.”

– Girish