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Refinancing a home loan at a lower rate can produce significant interest savings, provided you don't stretch out the loan repayment term at the same time. By switching a $350,000 loan account at…...
By switching to a refinance home loan with a lower interest rate or a longer repayment term (or both) you can significantly reduce your monthly repayments. For example, if you have a loan with $350,0…...
Variable interest rates and fixed interest rates both have their benefits and drawbacks, depending on your financial situation. If you're stuck with one kind of rate and want to swap to the othe…...
As you repay your home loan over a number of years, you build up equity in your home. Equity is the difference between your home's market value and the amount of home loan you still have left to…...
You could also use the equity you have in your home to consolidate your short-term, high-interest debts into a refinance home loan. For example, if you have enough equity in your home to release $20,…...
If your financial situation means you need to refinance to get lower monthly repayments by stretching out the repayment period over a greater number of years, you could end up paying more interest in…...
Home loan switch fees, break fees, discharge fees, new home loan application fees, LMI and mortgage stamp duty can all add up to a sizeable amount, possibly several thousand dollars, in refinance hom…...
While it might seem like a good idea to consolidate high-interest credit card or personal loan debt into a low-interest mortgage, by accessing your home equity, be aware that this can backfire if you…...
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