Refinance, renovate,
or consolidate debt?
Simple Process
Whole Market Advice
We Do All The Donkey Work
Looking at Refinancing?
Reviewing your mortgage or switching banks could save you thousands in interest, plus offer some handy cashback when you need it most.
Given the current market conditions, it's wise to speak with an adviser before making any decisions. We're here to help guide you through the process.
Refinancing with a new bank or negotiating a better rate with your current lender could be a great way to lower your payments and secure a more manageable mortgage. Plus, you could earn cashback of up to 1% of your loan value in some cases.
But remember, it's not just about the savings you can make now—it's about setting up a mortgage plan that works for you in the long run too
Renovate
Everyone wants to make some changes to their house and it can be a very daunting experience and not to mention a very expensive exercise. There are so many things to consider from council approval to what type of insulation is required, which having a great builder is key. But these builders are not cheap and unless you have saved a lot or won lotto, you will be looking to draw some capital (cash) off your house.
Banks love you adding value to your house, but you need to literally present a business case with spreadsheets and costings, which can be hard for some people. This is where I can help in presenting the right information in the right structure to make sure the bank will lend you the cash to make your dream home. I have recently just gone through this process and changing my 70’s house to something that actually looks like a normal house, with insulation and heating.
Consolidate Debt
Spent too much on the kids for Christmas? Spent a bit much on that holiday? Struggling to pay off the loans with high interest rates, then debt consolidation could take off some of the pressure and allow you to free up some of the cash.
Having a lot of different credit cards, store accounts and small loans can be very stressful and costly. If you have a home loan there may be some options to roll your current debt into one big loan, and pay a lot less in interest, and only one provider.
Making Finance Simple, So You Can Focus on Life.
Your Goals, Your Future – Not the Bank’s.
Honest, Obligation-Free Advice.
Get the Best Deal, Structure & Broker Today!