Refinancing and Debt Consolidation
Save money and pay down your debts faster!
Unlike Rise High Financial Solutions, most Lenders do not reward customer loyalty. The longer you have been with the same lender, the more loyalty tax you are likely to be paying.
We are here to help you review your existing mortgage to ensure it supports you, even as your dreams and goals change.
Pay down your loan faster with Refinancing
For most people, their home loan or investment property loan repayments are their single biggest expense. If you are not actively reviewing your loan(s) every year, then you could be paying too much.
At Rise High, we get so much joy out of finding ways we can save you money on your loan(s) and give your cash flow a huge boost so that you can achieve your goals sooner!
A review of your loans and your personal situation is fee-free with Rise High, so you have nothing to lose and everything to gain.
In undertaking this review, we will go to your existing lender to try and negotiate a better rate with them. We will then compare your current lender’s best offer to other opportunities you may have, determining the best option to allow you to achieve your goals and ultimately keep more of your cash.
Whether it’s refinancing to get a better interest rate or consolidating debt to take control of your finances, we can help you find the right solution to suit your needs.
Refinance your loan
Ensure you have the right interest rate and loan product for your current circumstances
Consolidate your debts
Roll your existing loans into one to save money and take control of your finances today
Helping you find the right option
Your Rise High Mortgage broker will take the time to understand your personal situation, your goals and your priorities (both short and long term).
We will then review all the lenders on our extensive lender panel (of over 70 lenders) looking at their credit policies, application criteria and fees and charges (including any potential refinance costs) and spend time negotiating with the lenders on your behalf to get you the best outcome with each potential lender.
To help you make your decision on which loan and lender is right for you we will present you with a detailed loan comparison table that compares the top lender options best suited specifically to your needs.
When we meet with you, we will go through your personalised loan comparison report in detail and answer any questions you may have so that you can feel excited and confident about your decision.
Because we would have already undertaken extensive analysis work prior to providing you with advice you can be confident that the lender options we present to you are all viable options for you that would result in a positive outcome of allowing you to achieve your goals and dreams.
Refinancing your loans is easy with Rise High
At the very beginning of the process, we will send you a list of documents for you to upload into your personal Rise High portal. These documents will give us an understanding of your current financial position and will allow us to explore your options and potential savings.
We can also explore if you have any additional equity in your property that you could access as part of your refinance to put towards a renovation, investment property purchase, family holiday or anything else you dream of.
Ultimately, we will develop a clear plan and strategy that can support your current lifestyle while enabling you to achieve your future goals and will project manage all parties involved to ensure that the process is as easy and stress-free for you as possible!
Exploring your options
If your mortgage is more than two years old, there is a good chance that you can review your finances to make the most out of your money. Whether it be because your financial situation has changed or there are better loan products available in the market to suit your needs, our team can help you:
- Access a lower interest rate if your existing bank won’t negotiate with you
- Get a better loan product with extra features such as an offset account
- Increase your borrowing capacity by considering a different lender
- Fix your interest rate to provide peace of mind and security
- Access equity in your property to finance a renovation or purchase an investment property
James & Delia
Clients since May 2012
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Other Frequently Asked Questions:
As your trusted Finance and Mortgage Advisors, we are also here to answer any questions you might have regarding this process, and provide specific advice based on your personal circumstances. Some of the most commonly asked questions around refinancing include:
Ready to find out more?
Our award-winning brokers are always here to support you in achieving your financial goals. With a fee-free service, complimentary loan reviews that save you money, and regular updates and communications, you can always be confident to have a lifelong financial partner that will keep your best interests at heart!
What are you waiting for?
Consolidating your debts made simple!
If you currently have multiple loans or debts (for example a car loan, credit card, and personal loan), debt consolidation can be a great alternative to make the most out of your money and take control of your finances!
By rolling multiple loans into one, our team of experts can help you:
- Reduce your interest payable by accessing lower interest rates
- Reduce overall monthly repayments so you can manage your cash flow better
- Develop a structured plan to take control of your finances and pay off your debt sooner
Frequently Asked Questions:
Some of the most commonly asked questions regarding Debt Consolidation which you might want to consider include: