Refinancing can make a real difference to your budget and your long term plans. At STE Lending, we make the whole thing easier by doing the heavy lifting for you. You provide your documents once and we compare many lenders across Australia, showing you the options that suit your situation.
You might be chasing a lower rate, wanting to cut your repayments, or looking to use some of your equity for your next move. Some clients cash out equity to renovate their house or buy a car. You might want to tidy up a few debts. Whatever your reason, I’ll walk you through it and make sure you understand your choices.
Our process is simple.
I check if you qualify for any special policies that might help the approval go through. You get clear guidance without the back and forth.
Because STE Lending has access to many lenders, you get a wide range of options. Variable, fixed, or a split. We line up the choices and show you what each one means for your repayments and your long term plans.
Your financial position is unique. Your refinance should reflect that. We look at your income, your credit history, your goals, and the amount you want to borrow. Then we build a plan that suits where you want to go next.
• The cost of refinancing
Most refinances come with some fees. These can often be added to the loan if you have enough equity. Some lenders offer no cost options, though the rate can be slightly higher to cover it.
• Better off over the long term
We need to make sure the savings secured by a better rate, pay for the costs to refinance. After this the future savings are yours.
• Current interest rates
Refinancing works best when the new rate gives you a genuine saving. We run the numbers so you can see the difference clearly.
• Your credit score
Your score helps lenders decide what rate they offer you. Even with strong credit, not every lender will give the lowest rate, so it’s worth checking your options.
• Your loan term
A shorter term pays the loan off faster, though repayments go up. A longer term can lower your repayments but increases interest over time. We talk through what fits your goals.
If you want to explore your refinance options, book a chat with me. I’ll help you find out if a better deal is out there and whether it makes sense for you right now.
Yes. Many people refinance their home loan to access a lower interest rate and reduce their repayments. If the new rate gives you a real saving, refinancing can improve your cash flow and cut down the interest you pay over time.
Yes. When you refinance, you can use your home equity to renovate, buy a car, consolidate debts, or fund your next property. I check how much equity you can access and which lenders allow the amount you need.
It can be. Refinancing an investment loan can help you lower your rate, improve rental yield, or free up equity for another purchase. I compare lenders and show you which options line up with your investment goals.
Most lenders need ID, bank statements, payslips, tax returns for self employed clients, and details of your current loan. I help you gather everything so your refinance application moves smoothly from start to finish.
Refinancing usually takes two to four weeks once your documents are in. Some lenders are faster. I keep you updated so you know exactly where your refinance is up to and when your new loan will settle.
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STE Lending Pty Ltd Credit Representative Number 562710 of QED Credit Services Pty Ltd Australian Credit Licence Number 387856
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