{"id":15808,"date":"2023-02-02T10:46:29","date_gmt":"2023-02-01T23:16:29","guid":{"rendered":"http:\/\/quantiphy.com.au\/oldbackup\/?p=15808"},"modified":"2023-02-02T10:48:38","modified_gmt":"2023-02-01T23:18:38","slug":"considering-refinancing-your-mortgage-here-are-some-questions-to-ask","status":"publish","type":"post","link":"https:\/\/quantiphy.com.au\/oldbackup\/considering-refinancing-your-mortgage-here-are-some-questions-to-ask\/","title":{"rendered":"Considering refinancing your mortgage? Here are some questions to ask"},"content":{"rendered":"<p>If you\u2019re considering refinancing your mortgage, you\u2019re not alone.<\/p>\n<p>With the rising cost of living and interest rates hitting the hip pockets of many Australians, it\u2019s a popular move.<\/p>\n<p>According to\u00a0<a href=\"https:\/\/www.abs.gov.au\/media-centre\/media-releases\/refinancing-reached-another-record-high-november\" target=\"_blank\" rel=\"noopener noreferrer\">ABS data<\/a>, November 2022 saw refinancing values reach a record high of $13.4 billion.<\/p>\n<p>Refinancing may offer you opportunities to unlock equity, land a better rate and avoid what\u2019s known as \u201cloyalty tax\u201d. Sticking to the same loan could see you missing out on favourable rates and features lenders like to use to woo new customers.<\/p>\n<p>Or maybe you\u2019re about to come off a fixed loan period and are bracing for a potential rate hike.<\/p>\n<p>Whatever your reasons for refinancing, we\u2019ve got some questions to help you through the process.<\/p>\n<h3>What\u2019s your financial picture?<\/h3>\n<p>Banks want to take a squiz at your financial profile before lending you a chunk of change. So check that your credit score is healthy to avoid disappointment.<\/p>\n<p>Look at your budget to see how much you can afford to pay toward your mortgage.<\/p>\n<p>Include interest, repayments, and service fees. And factor in possible additional refinancing costs such as application and valuation fees.<\/p>\n<p>You can also consider how the length of your loan impacts your budget. A longer-term loan usually comes with lower repayments but more interest over the lifetime of your loan.<\/p>\n<p>A shorter-term loan on the other hand would usually mean you make higher repayments now, but you could save on total interest payments.<\/p>\n<p>Whichever way you\u2019re leaning, we can help you crunch the numbers.<\/p>\n<h3>Do you have equity?<\/h3>\n<p>Having 20% equity in your home is typically a lender requirement when refinancing.<\/p>\n<p>But what is equity?<\/p>\n<p>It\u2019s the difference between the market value of your property and the balance of your mortgage. And with the\u00a0<a href=\"https:\/\/www.corelogic.com.au\/news-research\/news\/2023\/corelogic-home-value-index-australian-housing-values-down-5.3-over-2022\" target=\"_blank\" rel=\"noopener noreferrer\">recent decline in property values<\/a>, it\u2019s an important thing to check.<\/p>\n<p>The 20% equity typically acts as a deposit. Not having 20% may mean you have to pay lenders\u2019 mortgage insurance, which may make refinancing not worth your while.<\/p>\n<p>And negative equity \u2013 when your mortgage balance exceeds your property\u2019s value \u2013 would most likely put the brakes on refinancing plans.<\/p>\n<p>But if you have additional equity you may be able to unlock it when refinancing.<\/p>\n<p>Let\u2019s look at an example \u2013 say your house is now worth $1 million. But you bought it for $800,000 a few years back with a $600,000 loan that you\u2019ve paid down to $500,000.<\/p>\n<p>Banks typically allow a loan for 80% of a property\u2019s market value (depending on your financial position and other factors). So if you refinanced your $500,000 loan to an $800,000 loan, that could unlock $300,000 for things like reno projects or investments.<\/p>\n<div class=\"bt_bb_row\" data-structure=\"12\">\n<div class=\"bt_bb_column col-md-12 col-ms-12 bt_bb_align_left bt_bb_vertical_align_top bt_bb_padding_normal\" data-width=\"12\">\n<div class=\"bt_bb_column_content\">\n<div class=\"bt_bb_separator bt_bb_bottom_spacing_small bt_bb_border_style_none\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"bt_bb_row_wrapper bt_bb_row_width_boxed_1200\">\n<div class=\"bt_bb_row\" data-structure=\"2-4-4-2\">\n<div class=\"bt_bb_column col-md-2 col-sm-4 col-ms-12 bt_bb_align_left bt_bb_vertical_align_top bt_bb_padding_normal\" data-width=\"2\">\n<div class=\"bt_bb_column_content\"><\/div>\n<\/div>\n<div class=\"bt_bb_column col-md-4 col-ms-12 bt_bb_align_center bt_bb_vertical_align_top bt_bb_padding_double bt_bb_highlight\" data-width=\"4\">\n<div class=\"bt_bb_column_content\">\n<div class=\"bt_bb_separator bt_bb_bottom_spacing_small bt_bb_border_style_none\"><\/div>\n<div class=\"bt_bb_separator bt_bb_bottom_spacing_small bt_bb_border_style_none\"><\/div>\n<div class=\"bt_bb_text\">\n<h6>Speak To An Expert<\/h6>\n<p>Schedule in a time to discuss your situation with a home loan specialist<\/p>\n<\/div>\n<div class=\"bt_bb_separator bt_bb_bottom_spacing_normal bt_bb_border_style_none\"><\/div>\n<div class=\"bt_bb_button bto btop bt_bb_icon_position_left bt_bb_color_scheme_14 bt_bb_style_filled bt_bb_width_inline bt_bb_shape_inherit bt_bb_size_normal bt_bb_align_inherit\" data-bt-override-class=\"{&quot;bt_bb_size_&quot;:{&quot;current_class&quot;:&quot;bt_bb_size_normal&quot;,&quot;xl&quot;:&quot;normal&quot;},&quot;bt_bb_align_&quot;:{&quot;current_class&quot;:&quot;bt_bb_align_inherit&quot;,&quot;xl&quot;:&quot;inherit&quot;}}\"><a class=\"bt_bb_link\" title=\"BOOK IN A CALL\" href=\"\/finance\/book-a-chat-with-tommy-biller\/\" target=\"_self\" rel=\"noopener noreferrer\"><span class=\"bt_bb_button_text\">BOOK IN A CALL<\/span><\/a><\/div>\n<div class=\"bt_bb_separator bt_bb_bottom_spacing_normal bt_bb_border_style_none\"><\/div>\n<\/div>\n<\/div>\n<div class=\"bt_bb_column col-md-4 col-ms-12 bt_bb_align_center bt_bb_vertical_align_top bt_bb_padding_double bt_bb_highlight\" data-width=\"4\">\n<div class=\"bt_bb_column_content\"><\/div>\n<\/div>\n<div class=\"bt_bb_column col-md-2 col-sm-4 col-ms-12 bt_bb_align_center bt_bb_vertical_align_top bt_bb_padding_double bt_bb_highlight\" data-width=\"2\">\n<div class=\"bt_bb_column_content\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"bt_bb_row\" data-structure=\"12\">\n<div class=\"bt_bb_column col-md-12 col-ms-12 bt_bb_align_left bt_bb_vertical_align_top bt_bb_padding_normal\" data-width=\"12\">\n<div class=\"bt_bb_column_content\">\n<div class=\"bt_bb_separator bt_bb_bottom_spacing_small bt_bb_border_style_none\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<h3>What are you looking for?<\/h3>\n<p>Now it\u2019s time to think about what you want from a loan.<\/p>\n<p>A better interest rate is usually top of the list. But what other features could benefit you?<\/p>\n<p>An offset account may be something you want to reduce interest. Or the ability to make additional repayments without incurring penalties.<\/p>\n<p>Depending on what you\u2019re after, you may not need to move to another lender. We can always talk to your current lender first to see if they will come to the party.<\/p>\n<p>If not, we can then explore your options further afield.<\/p>\n<h3>Get in touch<\/h3>\n<p>Want to refinance to unlock a better interest rate, features and benefits, or equity in your home? <a href=\"http:\/\/quantiphy.com.au\/oldbackup\/finance\/book-a-chat-with-tommy-biller\/\" rel=\"noopener\">book in a chat<\/a>.<\/p>\n<p>We can help assess your situation to see what\u2019s possible. And locate loans and lenders that are a great fit for you.<\/p>\n<p><strong>Disclaimer:<\/strong>\u00a0The content of this article is general in nature and is presented for informative purposes. It is not intended to constitute tax or financial advice, whether general or personal nor is it intended to imply any recommendation or opinion about a financial product. It does not take into consideration your personal situation and may not be relevant to circumstances. Before taking any action, consider your own particular circumstances and seek professional advice. This content is protected by copyright laws and various other intellectual property laws. It is not to be modified, reproduced or republished without prior written consent.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>If you\u2019re considering refinancing your mortgage, you\u2019re not alone. With the rising cost of living and interest rates hitting the hip pockets of many Australians, it\u2019s a popular move. According to\u00a0ABS data, November 2022 saw refinancing values reach a record high of $13.4 billion. Refinancing may offer you opportunities to unlock equity, land a better&#8230;<\/p>\n","protected":false},"author":4,"featured_media":15809,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[42,6],"tags":[],"class_list":["post-15808","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance","category-news"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Considering refinancing your mortgage? 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