Why should I consider refinancing? | Top
Over time your needs and personal circumstances change. In addition lenders change their rates and fees and new home loan products come on the market all the time. These changing circumstances means that it may be a good time to consider refinancing.

People refinance for many different reasons and this includes: 

To get a better home loan rate or deal
Home improvements or rennovations
Paying off expensive debts such as credit cards
Buying assets such as shares or new properties
Your want to switch from a variable to a fixed rate product
How does refinancing help me? | Top
It is all about cash flow. By refinancing you could reduce your mortgage repayments and free up cashflow . You can also use refinancing as an opportunity to switch high interest debts to lower interest rates.

See the What If We Finance should I refinance checklist for more information.
Should I break a fixed rate contract? | Top
You should be extremely careful when considering whether you should refinance a fixed rate contract. There could be substantial penalties involved. If you face this situation you should contact your What If We Finance Mortgage Broker today to see if this option is feasible for you.
Can I consolidate existing personal loan and credit card debts? | Top
Consolidating debts with higher interest rates can prove to be an effective way of reducing interest costs and lowering your monthly repayments.
What are Deferred Establishment Fees? | Top
If you pay -out or refinance a home loan within 4 to 5 years of establishment some banks may charge a Deferred Establishment . The amount of the fee varies from bank to bank. Your What If We Finance Mortgage Broker can you advise you regarding this fee further.
Why should I use What If We Finance? | Top
Your What If We Finance has access to over one thousand products and with our unique What If We software we quickly find a product that matches your needs. What If We Finance will organize the loan approval and take care of all the paperwork for you.
     
     
     
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