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Helping Public Servants refinance an Investment Loan

Public Home Loans helps Public Servants access Investment Loan options from banks across Australia and refinance their Investment Loan

Rated 5 from 47 Reviews

Find a better loan in less than 5 minutes

Find a better loan

We help Public Servants refinance an Investment Loan

Refinancing an Investment Loan can be a strategic move for public servants looking to optimise their property portfolio. At Public Home Loans, our refinance specialists are dedicated to helping you access Investment Loan options from banks and lenders across Australia. Whether you aim to reduce your Home Loan repayments or release equity to buy the next investment property, we offer guidance tailored to your financial situation.

Refinancing can significantly impact your investment strategy. One of the primary reasons to refinance is to access a lower interest rate. If your fixed rate period is ending, this is an ideal time to explore better Home Loan options. By refinancing, you could change your loan term or switch between a variable and fixed interest rate, aligning your loan structure with your investment goals. Moreover, accessing a lower interest rate can help improve the yield of your property portfolio, enhancing overall profitability.

Understanding your financial situation is crucial when considering refinancing. Lenders will evaluate your credit history and banks statements as part of the application process. It's essential to present a strong financial profile to secure favourable refinance interest rates. Our refinance specialists at Public Home Loans can assist you in preparing the necessary documentation, ensuring a streamlined Investment Loan refinance process. Whether you have a robust credit history or face some challenges, we can help check eligibility for special lender policies that might benefit you.

Another key advantage of refinancing is the potential to release equity in your investment property. This equity can be used for various purposes, such as funding renovations or expanding your property portfolio. Releasing equity to buy the next investment property can be an effective way to leverage your existing assets for future growth. By accessing banks and lenders nationwide, we provide you with numerous options to find the best solution for your needs.

Moreover, refinancing allows you to adjust your Investment Loan amount based on current property values and market conditions. If your property's value has increased, you might be eligible for a higher loan amount, giving you additional funds for reinvestment. Conversely, if you aim to reduce your debt, refinancing can help you lower your loan amount and, subsequently, your monthly repayments.

At Public Home Loans, we pride ourselves on offering personalised service to public servants across Australia. Our refinance specialists are well-versed in navigating the complexities of the mortgage market, ensuring you receive the best advice and support throughout the refinancing process. By working closely with us, you can access Investment Loan options from banks and lenders across Australia, tailored to meet your unique financial goals.

Refinancing an Investment Loan can provide numerous benefits, from accessing a lower interest rate to releasing equity for new investments. As public servants, you deserve a trusted partner to guide you through this process. Contact Public Home Loans today to discuss how we can assist you in achieving your investment objectives and improving the yield of your property portfolio. Our team is ready to help you navigate the refinancing landscape with confidence and ease.

Compare your current Investment Loan in less than 5 minutes.

We help Public Servants access thousands of Investment Loan options from banks across Australia. Chat to our Finance & Mortgage Brokers and start your refinancing journey.

Interest rates as low as:

5.79%

Headline Rate

5.82%

Comparison Rate

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Let's explore scenarios that lead to you refinancing your Investment Loan

Your fixed-rate period is coming to an end

As a public servant, you may find that your fixed-rate mortgage period is nearing its conclusion. When your fixed-rate period is coming to an end, it's crucial to reassess your financial situation and evaluate your options. This is an ideal time to consider refinancing your investment loan. Refinancing can help you secure a more favourable interest rate, potentially lowering your monthly repayments and saving you money over time. At Public Home Loans, we specialise in assisting public servants through this transition, ensuring you receive tailored advice and support. We will guide you through the refinancing process, helping you understand the implications and benefits, so you can make an informed decision that aligns with your financial goals.

You want to use the equity in your property

Equity in your property represents the difference between its current market value and the outstanding balance on your mortgage. For public servants looking to refinance their investment loans, leveraging this equity can open up numerous financial opportunities. If you want to use the equity in your property, Public Home Loans can assist you in accessing these funds. This can be particularly beneficial for financing home improvements, consolidating debt, or funding other investment ventures. Our team will assess your property's value and the available equity, then present refinancing options that allow you to tap into this resource efficiently. Using your property’s equity wisely can significantly enhance your financial flexibility and investment strategy.

You want to adjust your loan term

Public servants often have specific financial goals and timelines. If you want to adjust your loan term during the refinancing process, Public Home Loans can help you achieve this. Modifying your loan term can offer several advantages depending on your objectives. You might opt for a shorter term to pay off your mortgage faster and reduce the total interest paid over the life of the loan. Alternatively, extending the loan term can lower your monthly repayments, easing your cash flow and providing financial breathing space. Our experts will work with you to understand your long-term financial plans and tailor a refinancing solution that adjusts your loan term to best suit your needs.

Accessing better loan features

When considering refinancing an investment loan, public servants should also look at the potential for accessing better loan features. Enhanced features such as offset accounts, redraw facilities, or flexible repayment options can significantly improve the management of your mortgage and overall financial health. Public Home Loans is dedicated to helping you navigate these options, ensuring you are aware of all available features that could benefit you. By refinancing, you may gain access to more advantageous loan terms and features that align with your financial habits and goals, offering greater convenience and potential savings.

Improving cash flow

For public servants, maintaining a healthy cash flow is essential for managing day-to-day expenses and planning for the future. Refinancing an investment loan can be a strategic move if you aim to improve cash flow. By securing a lower interest rate or adjusting the loan term, you can reduce monthly repayments and free up funds for other uses. Public Home Loans understands the unique financial pressures faced by public servants and offers tailored refinancing solutions designed to enhance your cash flow. Our team will analyse your current financial situation and provide options that optimise your mortgage repayments, making it easier to manage your finances effectively.

Debt consolidation

If you are juggling multiple debts, refinancing your investment loan could be an opportunity to streamline your financial obligations through debt consolidation. Public servants often have various financial commitments, and consolidating these into a single loan can simplify repayments and potentially reduce overall interest costs. Public Home Loans can guide you through the debt consolidation process as part of your refinancing strategy. By combining multiple debts into one manageable repayment plan, you can alleviate stress and gain better control over your finances. Our advisors will ensure that the refinancing solution we propose offers tangible benefits and aligns with your long-term financial goals.

Tax benefits

Refinancing an investment loan can also offer potential tax benefits for public servants who own investment properties. Depending on your circumstances, the interest paid on an investment loan may be tax-deductible, which can improve your overall financial position. At Public Home Loans, we provide insights into how refinancing can impact your tax situation, ensuring you are fully informed of any potential advantages. Our team works closely with tax professionals to offer comprehensive advice, helping you maximise any tax benefits associated with your investment property. This integrated approach ensures that refinancing not only improves your mortgage terms but also enhances your overall tax efficiency.

The Investment Loan Refinancing Process for Public Servants

Public Home Loans

Initial Appointment

Start by having a discussion with one of our qualified Finance and Mortgage Brokers. We will take the time to understand your current Investment loan situation and discuss refinancing options available from banks and lenders across Australia. We'll guide you through the next steps of the refinancing application process, ensuring you have access Investment Loan options and the most competitive refinance interest rates.

Fact-Finding

We will work closely with you to gain a detailed understanding of your financial situation, including your current loan terms, interest rates, and credit history. By assessing your financials, assets, and bank statements, we'll ensure you qualify for refinancing. We will also check eligibility for special lender policies that might benefit you.

Pre-Approval

Once you receive pre-approval for the refinancing, you can move forward with confidence. We will outline the new loan amount, interest rates (both variable and fixed), and any potential interest rate discounts. Whether you are looking to reduce loan repayments, consolidate debts, or change your Investment Loan term, we ensure you access loan options from banks and lenders nationwide.

Settlement

During the settlement process, your existing Investmentloan will be paid off, and your new loan will be drawn down. We will assist you in understanding all associated costs, including any fees or charges related to the refinancing.

Recent Reviews for our Investment Finance & Mortgage Brokers at Public Home Loans

kc

katya campi

Nick and team were great, made the process seamless.

HM

Holly Mullaney

Highly recommended ! The team is excellent- both Nick and Carl are wonderful!

SH

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!

Frequently Asked Questions

What kind of interest rates can you offer?

We take look at a wide range of products available from Banks, Credit Unions & other lenders across the country. This means we can search thousands of products and make sure we're always recommending the best Home Loans for our clients.

Can you help with refinancing an existing Mortgage?

Of course! We believe that we can find the best interest rate for you to refinance to, whether it's a Home Loan or Investment Loan.

Can you help First Home Buyers?

We love helping First Home Buyers! We're experts at the entire process and can help you get the right Home Loan. We're also across the various schemes to help First Home Buyers such as the First Home Owners Grant and the various stamp duty exemptions available.

Can you only help with Home Loans?

We can help with Home and Investment Loans, Construction Loans, Car Loans, Personal Loans and much more. If you're looking to borrow to buy something, we can probably help.

Why should I use a Mortgage Broker?

Mortgage Brokers are there to help you find the right loan whether it be from the major banks, smaller lenders or other sources. We have a broad range of products (more than any single lender can offer) which means we can do all the legwork to find the right loan for you.

Are your mortgage brokers licensed and accredited?

All of our Mortgage Brokers are accredited and members of the Mortgage and Finance Association of Australia. They are extremely professional and provide exceptional service across a range of lending options.

Ready to chat to our Finance & Mortgage Brokers about refinancing your Investment Loan?

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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.