Rated 5 from 54 Reviews
Public Home Loans is committed to supporting public servants in Australia with their investment loan refinancing needs. Refinancing an investment loan can be a strategic move, especially for those looking to optimise their financial situation. Our team of refinance specialists is here to guide you through the process, ensuring you access investment loan options from banks and lenders across Australia. Whether your fixed rate period is ending or you're seeking to release equity in your investment property, we can help you find a solution tailored to your needs.
Refinancing your investment loan can offer numerous benefits. Public Home Loans aims to provide public servants with the opportunity to change their loan term or reduce home loan repayments by accessing a lower interest rate. With the potential to improve the yield of your property portfolio, refinancing can be an effective way to expand your investments. Our finance and mortgage brokers are dedicated to helping you release equity to buy the next investment property, ensuring you have the resources needed for growth.
Understanding the options available is crucial for public servants considering investment loan refinancing. Our streamlined investment loan refinance process begins with a thorough assessment of your financial situation. We help you check eligibility for special lender policies that might offer more favourable terms. By reviewing your bank statements and evaluating current refinance interest rates, our refinance specialists can recommend better home loan options suited to your needs.
Choosing between a variable interest rate and a fixed interest rate is an important decision in the refinancing process. Public Home Loans provides guidance on how each option can affect your investment loan amount and overall financial strategy. A variable interest rate might offer flexibility and potential savings when market conditions are favourable, while a fixed interest rate provides stability and predictability in your repayments.
The application process for refinancing an investment loan involves several steps, but with the right support, it can be straightforward. Public Home Loans assists public servants in compiling the necessary documentation, such as bank statements, to ensure a smooth transition. Our team is dedicated to making the process as efficient as possible, allowing you to focus on your property portfolio's growth.
Investment loan refinancing for public servants is not just about securing a lower interest rate; it's about making informed choices that align with long-term goals. By working with our finance and mortgage brokers, you can access a range of investment loan options from banks and lenders across Australia. This comprehensive approach ensures that you have the best chance of finding a loan that meets your specific requirements.
Public Home Loans is committed to helping public servants achieve their financial objectives through effective investment loan refinancing. By exploring options such as changing your loan term or releasing equity in your investment property, you can take significant steps toward expanding your property portfolio. Our refinance specialists are here to support you every step of the way, providing expert advice and personalised service.
Refinancing an investment loan is a strategic decision that requires careful consideration and expert guidance. Public Home Loans offers public servants the opportunity to access tailored investment loan options from banks and lenders across Australia. By working with our refinance specialists, you can secure better home loan options and improve the yield of your property portfolio. Contact us today to start exploring how we can assist with your investment loan refinancing needs.
1. Consultation with Your Finance & Mortgage Broker
Your refinancing journey begins with an initial consultation. Instead of discussing a property purchase, your Finance & Mortgage Broker will focus on your reasons for refinancing—such as securing a better interest rate, accessing equity, consolidating debts, or adjusting loan features. They will explain the refinancing process, review your current loan, and identify opportunities to improve your loan structure or save on repayments.
2. Financial & Loan Review
Your broker will conduct a full review of your current financial position and existing home loan. This includes assessing your income, expenses, assets, liabilities, credit history, and available home equity. They will also analyse your current loan’s interest rate, fees, and features to see where changes could benefit you. Key terms like loan-to-value ratio (LVR), break costs, and refinancing fees will be explained so you can make informed decisions.
3. Comparing Refinancing Options
With your financial information in hand, your broker will compare a range of refinancing options from multiple lenders. They will consider factors such as lower interest rates, reduced fees, more flexible repayment terms, or features like offset accounts and redraw facilities. You’ll also discuss whether a fixed, variable, or split loan structure suits your future plans. The goal is to find a refinancing solution that meets your financial needs now and in the years ahead.
4. Conditional Approval
Once a preferred option is chosen, your broker will seek conditional approval from the lender. This step provides an early indication that your refinance is likely to be approved, subject to property valuation and final checks. It gives you clarity on your new repayments and confidence to proceed.
5. Submitting the Refinancing Application
Your broker will prepare and submit your refinancing application, ensuring all required documents—such as identification, income evidence, and current loan statements—are included. They will liaise directly with the new lender and your existing lender to coordinate the discharge of your current loan. Throughout this stage, your broker will keep you updated and address any lender queries.
6. Loan Approval & Loan Agreement
Once your refinance is formally approved, your broker will guide you through the new loan contract. They will explain the terms and conditions, confirm settlement figures, and ensure you understand your new repayment schedule and loan features. If any additional steps—such as setting up offset accounts—are required, your broker will arrange them.
7. Loan Settlement & Transition
On settlement day, your new lender will pay out your existing loan in full, and your new loan will take effect. Your broker will confirm the settlement has been completed and ensure your accounts are set up correctly. From here, you’ll begin making repayments under your new loan, ideally benefiting from lower costs, better features, or both.
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Ingrid Rollero
Carl and the team are very quick and efficient. Have been them for a few years and happy to recommend to anyone!
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Elizabeth Bottomley
Carl Elsass was a wonderful help to my husband and I as we bought our first property. Carl was very responsive, knowledgeable and guided us through the process with great care and attention to detail. We would highly recommend using Azura ...
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Kirsten Turco
Nick gave us a friendly service & was extremely helpful. Highly recommended!
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Harry
Working with Nick to purchase our first home was a seamless experience. His knowledge of the market was exceptional and was quick to respond to all our questions. I wouldn’t hesitate to recommend his services. Thanks Nick!
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claudia alvarez
I was extremely pleased by the service provided from Carl Elsass. He was very helpful and very clear by explaining every aspect of the mortgage process. From start to finish, He attended to all the documents required as well as arranging a suitable loan within a very short period with my minimum involvement. Thank you! Claudia Marcela
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Javier Gómez
Carl was really helpful and patient, took its time to understand my situations and provided great advice and options in order for me to make the right decision.
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Glen Ashley
Carl has been amazing to work with. He was on the ball straight from the start with knowing all the information I would need to provide. He was quick to respond while others would not return communication for weeks. He managed to secure me a great product in a short amount of time, even while we are on opposite sides of the country. I highly recommend getting in touch with Carl, you won't look back.
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Samuel Hogarth
Carl was extremely professional and attentive with our situation. He kept us well informed (and calm) throughout the process. Thanks so much for getting us the best option in a tough market!
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Sam Wicks
My wife and I had a very positive experience with Carl, who was helping us organise our first home loan. Carl was responsive and managed to secure us a very competitive rate in a limited timeframe. We are truly thankful for his assistance, and would definitely recommend!
Absolutely. While we specialise in home loans for public servants, we also assist with refinancing, investment property loans, construction loans, land purchases, and car loans. We understand the financial needs of teachers, nurses, police officers, and other public sector workers and can tailor loan solutions to suit your employment structure and benefits.
Yes. Government pay scales offer predictable, incremental increases, which many lenders see as a sign of long-term financial stability. This can positively influence both your borrowing capacity and loan approval prospects.
Yes. As a public servant, you may qualify for various state and federal initiatives such as the First Home Guarantee or stamp duty concessions. We stay up to date with all relevant schemes and will help you understand what’s available based on your circumstances.
We support current and former employees in all areas of public service, including education, healthcare, emergency services, defence, and government departments at the federal, state, and local levels. We understand the job stability, pay structure, and allowances common in these roles and can leverage that to your advantage when applying for a loan.
You'll typically need payslips, a recent group certificate or tax return, bank statements, and ID. If you're on a government salary, have salary packaging, or receive additional allowances, we know how to present these to lenders to demonstrate your full income potential. We’ll give you a checklist tailored to your role.
Yes. Many public servants, especially in healthcare and education, use salary packaging or receive fringe benefits. We understand how different lenders assess packaged income and can help ensure your full income potential is recognised in your loan application.
Yes. We’re familiar with the pay scales, entitlements, and allowances common across federal departments like the ATO, NDIA, Services Australia, and Centrelink. This insight allows us to present your income accurately to lenders and maximise your borrowing potential.
Yes, we often help clients access features like waived LMI for eligible professionals (e.g. nurses or police officers), interest-only repayments for investors, or offset accounts for better cash flow. We’ll help structure a loan that complements your long-term financial goals.
Yes. If you’ve received a formal job offer or contract from a government department in another state, many lenders will accept this as proof of future income. We can help you secure pre-approval before you move, so you’re ready to purchase when the time is right.
Definitely. Many of our clients apply jointly with spouses, siblings, or partners who also work in the public sector. We know how to structure these applications to combine incomes, strengthen the case for approval, and explore any joint eligibility for government support schemes.
Trustee for the O'Sullivan Family Trust ABN: 29 235 649 437, Credit Representative #482294 and is authorised under Australian Credit Licence 389328..
Disclaimer: This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances. Names & Locations of users have been changed to protect their privacy and are illustrative only.
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