Refinancing
Take advantage of better rates on the market and start saving.
Rated 5 from 36 Reviews
Take advantage of better rates on the market and start saving.
Rated 5 from 36 Reviews
At Yellow Mortgage House we believe that your mortgage should work for you, not the other way around. If you're looking to save money, consolidate debts, access funds for life's endeavours, or simply enhance your financial wellbeing, our refinancing solutions are tailored to your needs.
Refinancing a loan is the number one way most of our clients reduce interest repayments on their home loan or investment loan. Whether you're coming off a fixed rate period or currently paying a variable rate, chances are there are a range of better loans out there. We have access to thousands of products from lenders across Australia including the major banks, credit unions, and building societies so chances are we can find a better loan for you.
As a property appreciates over time, you may be able to use this increased equity to obtain a larger loan amount. The extra funds can be used for various purposes, such as home renovations, debt consolidation, or even investments. Refinancing also allows borrowers to consolidate multiple loans into one, simplifying their financial management and potentially reducing overall interest costs. We can also help you understand the impact of any break-costs or exit-fees that may apply to your current loan, to make sure you can compare the true savings of refinancing.
We're a proud member of the Mortgage and Finance Association of Australia and have clients right across Australia. If you're looking to refinance your home or investment loan, we have the expertise and experience to guide you through the process and make the right choice.
Refinancing is your key to unlocking potential savings you might not even know existed. At Yellow Mortgage House, we specialise in finding you better terms, lower interest rates, and more favourable repayment structures. Imagine the peace of mind that comes from knowing your mortgage is structured to save you money – it's not just a possibility, it's our mission.
Book an AppointmentWhy juggle multiple payments when you can simplify your financial landscape? Our refinancing options enable you to consolidate car loans, personal loans, and credit card debts into one manageable mortgage. By doing so, you free up valuable cash flow, allowing you to regain control of your finances and focus on what truly matters.
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Your mortgage should be a tool that empowers you to get ahead. With Yellow Mortgage House you're armed with features designed to accelerate your progress. From flexible repayment options to the ability to make extra payments, we provide you with the tools you need to pay down your mortgage faster and reach your financial milestones sooner.
Talk to an ExpertMoving doesn't have to be stressful, especially when it comes to refinancing. Yellow Mortgage House takes the hassle out of the process. Our experienced team manages the transition with precision, ensuring that your refinancing journey is smooth, efficient, and stress-free.
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To us, you're not just a transaction – you're a valued client. Your financial success is our success, and that's why we're dedicated to providing ongoing support. Our commitment doesn't end when the paperwork is signed; we're here to ensure you're always on the best deal possible.
Check your Loan HealthUnlock the power of your home's equity. Whether it's funding education, investments, dream holidays, vehicle upgrades, home renovations, or any other Endeavor, we'll help you tap into your home's equity responsibly and strategically.
Ask us how
Get an estimate of your savings in less than 60 seconds
Check your Loan Health
1. Initial Consult
Have a chat with one of our qualified Mortgage Brokers who will understand your situation and talk you through the next steps.
2. Fact Find
We'll work with you to understand a bit more about your situation (including your financials, assets etc.) to help us find the best loan.
3. Loan Approval
We'll find the best loan on the market for you and your situation and present you back some options.
4. Sit back and relax!
We'll prepare and submit your application on your behalf and let you know when it's all complete
AM
Andrew Middlehurst
Nothing was too hard for Chris. He’s always available and ready to find the next solution. This was particularly helpful refinancing during this tough climate and changing market. I won’t hesitate next time I need advise or my next loan. Thanks Chris
ES
Ellie Stafford
Chris was amazing throughout the process of buying my first home. A process which is quite overwhelming at times, Chris was very approachable and broke everything down so it felt more manageable. Could not recommend more highly.
KT
Katherine Thomas
I can’t speak highly enough of Chris. He’s dedicated, hard working, approachable and supportive. He explains things you may not understand with patience and understanding. He really pushed to get my loan through in a tight timeframe, and he …
Mortgage brokers are usually paid through commissions from the lenders. When a borrower successfully secures a loan through a broker, the lender pays the broker a commission for their services. This commission doesn't typically impact the cost of the loan for the borrower.
Commonly required documents include proof of income (payslips, tax returns), proof of identity (passport, driver's license), employment information, details of existing debts, and statements of savings and assets.
A fixed-rate mortgage has a set interest rate that remains constant for a specified period, providing stability in monthly repayments. A variable-rate mortgage has an interest rate that can fluctuate based on market conditions, potentially affecting your monthly payments.
The deposit required depends on the lender and the type of loan you're applying for. In Australia, a common rule of thumb is a 20% deposit, but some lenders may accept lower deposits with the inclusion of Lenders Mortgage Insurance (LMI).
Mortgage brokers have access to a wide range of lenders and loan products, offering you a broader choice than what a single bank can provide. They can save you time by comparing multiple options and potentially help you find better terms or rates.
The mortgage application process can vary depending on the complexity of your financial situation, the lender's processes, and market conditions. On average, it can take a few weeks to a couple of months from application to settlement.
Yellow Mortgage House Pty Ltd ABN: 68 665 459 718. Yellow Mortgage House is a credit representative (CRN: 546082) of BLSSA Pty Ltd ACN 117 651 760 (Australian Credit Licence Number 548540).
The information provided on this site is on the understanding that it is for illustrative and discussion purposes only. Whilst all care and attention is taken in its preparation any party seeking to rely on its content or otherwise should make their own enquiries and research to ensure its relevance to your specific personal and business requirements and circumstances. Terms, conditions, fees and charges may apply. Normal lending criteria apply. Rates subject to change. Approved applicants only.
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