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does your rate start with a 3 or 4?
If your interest rate starts with a 3 or a 4 (or higher), you could be missing out on big monthly savings. Interest rates are at historical lows, and customers who choose to refinance are saving thousands.
As this time, the average interest rate for new home loans is just 2.69%p.a. In comparison, the average interest rate for existing loans is a much higher 3.24%p.a.
The Australian Bureau of Statistics (ABS) data shows that between March and June this year, over 70,000 homeowners chose to externally refinance their mortgage. This was a 38% increase on the same period last year.
Am I eligible for an interest rate in the 2% range?
With mortgage rates at their lowest since the days of black and white TV, this might be the right time to make a serious dent in your home loan. When seeing how much you can borrow or what interest rate you could refinance to, most lenders will need your records of income, assets and debts.
To determine if you can borrow, a lender generally looks at these criteria points (plus more):
- Loan serviceability - can you afford to repay the loan without any financial hardship?
- Financial information verification - is all information you've submitted true and accurate?
- Credit history - are you able to manage your finances well over time?
- Loan to value ratio (LVR) - is the property you want to buy worth more than the amount you're borrowing?
We’re ready to help you! If you have a variable rate loan, you might prefer the certainty of a fixed rate. Or if you’ve got a fixed rate loan, you might want something more flexible.
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property auction guide
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