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Have you ever considered refinancing your home? If you’ve owned your property for a few years or more, it’s likely that it has increased in value since you purchased it. That means that there could be a substantial amount of equity locked in your property. A refinance bond, enabling you to utilise this equity, could be used in a variety of useful ways, if used correctly – chief among these to control debt, undertake home refurbishments, or improve your general standard of living.
Today, as many individuals face rising home loan costs and interest rates, a refinance mortgage could offer a welcome financial reprieve. By securing a refinance bond – also known as a second mortgage – you could qualify for better loan terms. Perhaps your needs have changed since you purchased your home, or maybe different loan terms would meet your current needs more comfortably. Whatever your financial status, you could benefit from a better home loan deal.
When you apply for a refinance home loan from SA Home Loans, you may qualify for lower repayments, thereby reducing your monthly expenses and freeing up more cash for the things you need. Use our home loan calculator to find out whether you qualify for a refinance mortgage, read on to learn more about the advantages of refinancing your bond, or apply now for a refinance home loan from SA Home Loans.
When you first qualified for your home loan, the chances are you may not have secured the most competitive interest rate (particularly if you were a first-time home buyer), or the most affordable mortgage terms possible. Applying for a refinance bond could mean new loan terms for your bond, which may make it far easier to meet your monthly mortgage commitments. Moreover, it could give you access to a lump sum of cash which you could use for anything you like. Most people use this cash to reduce or consolidate debt.
Debt consolidation is, in fact, one of the major advantages of mortgage loan refinancing. By taking out a second home loan and using your equity to consolidate debt, you could reduce the overall amount of interest you pay each month. When you consolidate debt, you no longer pay off several loans every month, each one with a different interest rate and according to different terms. Instead, you pay off one consolidated amount that usually features a lower interest rate than all your loans do separately.
Furthermore, debt consolidation offers repayment flexibility, usually enabling you to negotiate terms that are manageable for your budget. This will help you to begin rectifying your financial situation and get back on your feet as soon as possible.
Another important benefit associated with debt consolidation – and by association, often with bond refinance too – is an improved credit record. When you have a lot of outstanding debt, or have missed repayments, your credit rating takes a knock. In fact, the more debt you have, and the more you struggle to repay it, the more damage you do to your credit record.
The good news, however, is that you can improve your credit rating by consolidating debt, getting on top of your bills and repaying outstanding loans. And, the better your credit score, the more likely you are to qualify for more loans in the future, as well as lower interest rates. A good credit score is essential if you hope to obtain future credit at the most competitive interest rates possible.
To get the best deal on your refinance home loan, make sure that you take out a second mortgage only when you’re able to qualify for a better deal. Don’t overstretch yourself financially: Remember that the collateral for your mortgage refinance deal is often your property itself. However, if you could do with a cash boost and you’re able to qualify for a better repayment plan, home loan refinancing could offer an ideal way of meeting your financial needs.
SA Home Loans has helped thousands of homeowners to refinance their bonds and get a better deal on their home loans – and we can help you, too. Contact us today on 0860 2 4 6 8 10 to chat to a qualified home loan consultant, or use our online home loan refinance calculator to discover whether you qualify.
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