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Refinancing Mortgage Broker

Revisiting your home loan terms? Our refinancing mortgage broker expertise streamlines the process, ensuring you are positioned for the best financial outcomes.

More Financial Opportunities

Refinancing Mortgage Broker

Better Rates, Better Benefits​

Ever dreamt of releasing your home’s equity, bundling your debts or escaping from your current lender’s grasp? Unconditional Finance, a team of seasoned mortgage brokers based in Sydney, can turn that dream into reality, helping you unearth the finest refinancing solutions tailored to your individual situation.

Let’s not beat around the bush, as our lives evolve, so do our financial aspirations. If you’re tied to a 30-year mortgage, odds are your fiscal landscape has dramatically changed since your mortgage inception. This often nudges borrowers to reassess their existing home loans to lock in a superior deal or avail themselves of novel loan features.

Comparing a variety of home loans unveils other appealing deals. If you stumble upon a loan that syncs with your current needs, then refinancing is worth your consideration.

Decoding Home Loan Refinancing

Refinancing a home loan essentially signifies securing a fresh loan with a different lender to supersede your current one. You transition from your current lender to a new one who settles your old mortgage, liberating you from your previous commitment.

Once your new lender fulfils your old mortgage, you commence repaying your novel mortgage to your fresh lender. Whether you’re refinancing to shrink your monthly mortgage payments, accelerate your mortgage payoff, or extract cash from your equity, refinancing could be an advantageous step.

Experiment with our complimentary online refinancing calculator by entering your mortgage details to uncover what you could potentially qualify for.

Unconditional Finance team outside

Why Refinance Your Home Loan?

Refinancing one’s home loan is chosen for numerous reasons, including:

Securing Better Interest Rates

Your enhanced financial circumstances might allow larger monthly repayments or you may have improved your credit score, both leading to lower interest rates. Refinancing facilitates capitalising on these positive changes.

Exploring Broader Lending Options

At Unconditional Finance, we collaborate with various lenders without preference. We’ll compare your home loan with different lenders and provide the best option customised to your financial situation. Our loyalty lies with our customers.

Acquiring Greater Flexibility in Your Home Loan

Home loans often come with different supplementary features. For instance, a redraw facility enables you to retrieve extra payments you’ve made on your loan. Refinancing can help you switch to a lender that offers such beneficial features.

Amalgamating Debts into a Single Mortgage

If your aim is to consolidate your debts, refinancing them into your home loan can simplify management. This is ideal for integrating personal loans, credit cards, and even car loans.

Unlocking Equity in Your Home 

Equity is the discrepancy between your property value and the amount you still owe on your home loan. Refinancing could help you tap into your home equity to cover emergency expenses or fund another investment project.

Securing Better Interest Rates

Your enhanced financial circumstances might allow larger monthly repayments or you may have improved your credit score, both leading to lower interest rates. Refinancing facilitates capitalising on these positive changes.

Exploring Broader Lending Options

At Unconditional Finance, we collaborate with various lenders without preference. We’ll compare your home loan with different lenders and provide the best option customised to your financial situation. Our loyalty lies with our customers.

Acquiring Greater Flexibility in Your Home Loan

Home loans often come with different supplementary features. For instance, a redraw facility enables you to retrieve extra payments you’ve made on your loan. Refinancing can help you switch to a lender that offers such beneficial features.

Amalgamating Debts into a Single Mortgage

If your aim is to consolidate your debts, refinancing them into your home loan can simplify management. This is ideal for integrating personal loans, credit cards, and even car loans.

Unlocking Equity in Your Home 

Equity is the discrepancy between your property value and the amount you still owe on your home loan. Refinancing could help you tap into your home equity to cover emergency expenses or fund another investment project.

Frequently Asked Questions

In Australia, the average timeframe to refinance a home loan ranges from 4 to 8 weeks. Refinancing with your existing lender can expedite the process since they already have your necessary documents. Refinancing with a new lender might take a bit longer as they need to review all your documentation.
Refinancing through a mortgage broker offers guidance, expertise, better rates, and saves time. They can demystify complex terms, negotiate better terms, and handle paperwork, making the process hassle-free.
Potentially, but it highly depends on your situation. Applying for a new loan usually prompts lenders to conduct a credit check, known as a “hard enquiry” on your credit report. Multiple hard enquiries within a short timeframe can negatively impact your credit score. However, consistently meeting payment obligations on time can mitigate this impact.
Generally, money from refinancing can be used for any purpose. However, the terms and conditions of your new loan may impose restrictions. These usually relate to using the money to settle debts or for home improvements.
Australians are refinancing their home loans at record numbers. According to PEXA’s data, approximately 364,000 Australians refinanced their home in 2021, around 28% higher than in 2020.

This depends on your personal circumstances. At Unconditional Finance, we’re committed to serving your best interests. If we think refinancing will be beneficial for you, we’ll tell you. And if we believe it’s best to stay with your current loan, we’ll tell you that, too. We provide honest, upfront advice to empower you to make an informed decision. As reputable mortgage brokers in Sydney, we strive to assist you in achieving your financial goals.

Ready To Buy Your First Home? Congratulations!

 

At Unconditional Finance, we simplify the refinancing process for those seeking to learn more about refinancing their mortgages. Our experienced team provides tailored advice to help you make the best financial decisions. Trust our expert finance brokers in Sydney finance brokers in Sydney to guide you through every step, ensuring a smooth and beneficial refinancing experience.

Our 3-step Process

No gimmicks or complex flowcharts. All of our clients go through a tried-and-true 3-step process that allows them to easily get approved for the loans they want in no time at all!

01

Apply Now

Enter your personal and property information to apply.

02

Get Approved

We will review your application in 2 business days.

03

Receive Funds

Funds can be transferred to your account in 3 days.

Our Services

Home Loans

Our team of seasoned mortgage brokers, nestled in the heart of Sydney, has an extensive repertoire of home loan offerings. Whether you’re dipping your toes in the property market for the first time, you’re an experienced investor, or a property mogul, we’ve got you covered. We roll up our sleeves to seek out the ideal home loan tailored to your unique needs. Our approach is simple – we pit various lenders against each other, ensuring you snag the best deal and nab a sweet rate.

Refinancing

Is a better deal within your grasp? It’s time to let our veteran mortgage brokers be your guide as you delve into the ocean of refinancing options. We’re with you every step of the way, from mapping out your options to crossing the finish line with your refinanced mortgage.

Refinancing a loan has its perks – it could lower your interest rate, bundle your debts into one loan, trim down your repayment period and fast-track your journey to a debt-free life. Trust us to help you unlock these benefits sooner than you thought possible!

Business Loans

Business/commercial loans fuel business growth, but can be complex. Top-tier mortgage brokers aid in understanding your needs, provide access to various loan products, simplify complex application processes, use negotiation skills to secure favorable terms, and offer ongoing support. Their expertise ensures you not just a loan, but the most suitable one for your business’s success.

Investment Loans

At Unconditional Finance, we’re your co-pilots, guiding you through the maze of investment property purchases. Our suite of investment loans is as diverse as your investment aspirations. Our seasoned property finance brokers are at your beck and call, ready to help you cherry-pick the right loan that aligns with your individual needs. With us by your side, even structuring your loan for tax purposes becomes a breeze, whether you’re a novice or an old hand expanding your investment portfolio.

Work With Award-Winning Mortgage Brokers

MFAA Endorsed

Basking in the glow of MFAA (Mortgage and Finance Association of Australia) approval, we stand tall as certified mortgage brokers right here in Sydney.

Fully Qualified

As Unconditional Finance's driving force and founder, Chris leverages his industry expertise and personal investment acumen. Aside from bagging numerous accolades, including recurrent Top 100 Broker mentions, Chris savours family time and sports when off-duty.

A Legacy Spanning Over Two Decades

We're proud of our rich tapestry of more than 20 years, throughout which we've aided countless clients in realising their financial dreams.

Award-Winning

Our mantle is laden with awards, as we've repeatedly been hailed as one of Sydney's top-tier mortgage brokers year after year.

Fully Licensed

Registered with ASIC and being fully licensed mortgage brokers, we're intimately acquainted with the industry's unique demands.

Centred On You

At Unconditional Finance, we place your aspirations and necessities at the heart of our operations. When you join hands with us, be assured your interests are our prime concern.

Calculators

Use one of our many calculators to help you better manage your finances.

What Our Customers Say....

Jordy Alexander
Jordy Alexander
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We have been a client of Unconditional Finance since 2021, and we cannot speak highly enough of the exceptional services...
Meredith Paige
Meredith Paige
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We found Chris and his team incredibly helpful and responsive. They were very willing to explore all options available to...
Asher McGlone
Asher McGlone
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I recently had a great experience working with Unconditional Finance, specifically with Chris, Mitchell, and Nicole, to...
Justin smith
Justin smith
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Highly recommend, Joel is great to deal with and is always looking for the best deal. The team is amazing...
Kane Cox
Kane Cox
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Chris and the team were great! Able to secure funds that exceeded my expectations after failed attempts with...
Chad Robinson
Chad Robinson
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Fantastic mortgage brokers. If your needing a team to assist you with your investment portfolio or a single finance...
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