Refinancing
Take advantage of better rates on the market and start saving
Rated 5 from 219 Reviews
Take advantage of better rates on the market and start saving
Rated 5 from 219 Reviews
Refinancing your home loan can be a strategic move to improve your financial situation. At Derry & Co., we specialise in helping clients in Perth, Western Australia, and across the nation access loan options from banks and lenders throughout Australia. Whether you're looking to reduce loan repayments, consolidate debts, or release equity to buy your next property, our expert team is here to guide you through the process and secure the best refinancing terms tailored to your needs.
One of the primary reasons homeowners consider refinancing is to access a lower interest rate. By securing a new loan with a reduced rate, you can lower your monthly repayments and save significantly over the life of your loan. Our team will assist you in comparing refinance interest rates from a wide array of banks and lenders nationwide. We consider your current financial situation, credit history, and other key factors to find better loan options that fit your needs. Whether you prefer a fixed interest rate for stability or a variable interest rate for potential future savings, we can help determine the best choice for you.
Another compelling reason to refinance is when your fixed rate period is ending. This can be an optimal time to reassess your loan structure and explore different options. Perhaps you'd like to change your loan term to pay off your mortgage faster or extend it to reduce monthly payments. Alternatively, if your goal is to release equity in your property, refinancing can provide the funds needed for renovations or purchasing an investment property. Releasing equity allows you to leverage the value of your current home to finance other ventures without needing separate loans.
Refinancing can also be an excellent opportunity to consolidate debts. By rolling high-interest debts like credit cards or personal loans into your mortgage, you can simplify your finances and potentially benefit from lower interest rates. This strategy not only reduces the number of repayments you need to make each month but also helps improve cash flow and manage expenses more effectively. Our advisers at Derry & Co. will ensure you understand the implications of consolidating debts into your home loan and help you navigate this process efficiently.
Navigating the refinancing application process can seem daunting, but with Derry & Co., it doesn’t have to be. We offer a streamlined application process that takes the hassle out of securing new loan terms. We start by checking your eligibility for special lender policies that could offer you even more favourable conditions. Our team will guide you through every step, from gathering necessary documents such as bank statements to liaising with lenders on your behalf. We aim to make refinancing as smooth and straightforward as possible while securing the most advantageous terms available.
Refinancing offers numerous benefits, whether you're aiming to reduce repayments, consolidate debts, or release equity for future investments. At Derry & Co., we are committed to providing access to banks and lenders nationwide, ensuring you have a wide array of options to choose from. If you're considering refinancing or just want to explore what possibilities are open to you, contact us today. Let our expertise help you achieve financial freedom and make the most of your property's value.
Get an estimate of your savings in less than 60 seconds
Check your Loan Health
Initial Consult
Have a chat with one of our qualified Mortgage Brokers who will understand your situation and talk you through the next steps.
Fact Find
We'll work with you to understand a bit more about your situation (including your financials, assets etc.) to make sure you will qualify for a loan.
Pre Approval
Once you're approved, you can start bidding or making offers on properties you want to purchase.
Settlement
You settle on the property, your loan draws-down and you're good to go!
Book AppointmentKP
Kevin P.
I can’t thank Derry and his team enough for their efforts with my house purchases. If I could give them 10 stars I would. Whether it’s residential or investment property, their service is always top notch. They are very knowledgeable, efficient, and friendly. Derry listens to your situation and he makes sure that every settlement goes through. On top of that, they also follow up and check on you after settlement to make sure everything is going well. I highly recommend them to anyone who’s planning to buy a house or investment property. I will always come back and consult with them on my future purchases. Thank you very much Derry and to your wonderful team!
JC
Joel Cook
Derry and his team were incredible to work with. From start to finish, they were super knowledgeable, approachable and they were always one step ahead. The entire process was smooth and pain free. No question or concern was ever too much hassle. They continually went above and beyond to make the process as stress free as possible.
NH
Nasirul Haque
Derry was absolutely fantastic to work with. We met in person at his Victoria Park, WA office and went through the whole process. He was incredibly patient, efficient, knowledgeable, and proactive throughout the entire process. What really impressed me was how he managed to get my loan approved in just 3 days—well ahead of the expected timeline. Highly recommend Derry to anyone looking for a top-tier mortgage broker!
Mortgage Brokers are there to help you find the right loan whether it be from the major banks, smaller lenders or other sources. We have a broad range of products (more than any single lender can offer) which means we can do all the legwork to find the right loan for you.
Of course! We believe that we can find the best interest rate for you to refinance to, whether it's a Home Loan or Investment Loan.
We love helping First Home Buyers! We're experts at the entire process and can help you get the right Home Loan. We're also across the various schemes to help First Home Buyers such as the First Home Owners Grant and the various stamp duty exemptions available.
All of our Mortgage Brokers are accredited and members of the Mortgage and Finance Association of Australia. They are extremely professional and provide exceptional service across a range of lending options.
We take look at a wide range of products available from Banks, Credit Unions & other lenders across the country. This means we can search thousands of products and make sure we're always recommending the best Home Loans for our clients.
We can help with Home and Investment Loans, Construction Loans, Car Loans, Personal Loans and much more. If you're looking to borrow to buy something, we can probably help.
Derry & Co ABN: 69 605 263 287, Derry Tanzil Family Pty Ltd ABN: 69 605 263 287. Credit Representative #477680 is authorised under Australian Credit License #389 087.
Disclaimer: This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances.
Site by Broker Studio