Refinancing
Take advantage of better rates on the market and start saving
Rated 5 from 45 Reviews
Residential
Calculators
Take advantage of better rates on the market and start saving
Rated 5 from 45 Reviews
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 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 Appointment![[Placeholder Text]](https://d3m6vd3qezmdk0.cloudfront.net/2I4K3OCI3N1AKNK7FNSI147G7.webp)
![[Placeholder Text]](https://d3m6vd3qezmdk0.cloudfront.net/YDHMDAD8NOUVFJG598YZUBIRV.webp)
Why 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.
Check your Loan HealthYour 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 Expert![[Placeholder Text]](https://d3m6vd3qezmdk0.cloudfront.net/9VQVPE4HNBCX9YTKOUY19KYBI.webp)
Moving 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.
Get Started TodayTo 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 Health
Unlock 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 howGet an estimate of your savings in less than 60 seconds
Check your Loan Health
Initial Consult
Have a chat with one of our qualified Mortgage Brokers who will understand your situation and talk you through the next steps.
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.
Loan Approval
We'll find the best loan on the market for you and your situation and present you back some options.
Sit back and relax
We'll prepare and submit your application on your behalf and let you know when it's all complete
Book AppointmentBH
Brittany Healey
Could not recommend Chris enough! He assisted me with purchasing my first home and made the process simple and easy to understand. I was pleasantly surprised at how at ease I felt throughout and always felt confident and supported. Really happy with the outcome!!
sp
sarah petrie
What a dream to work with! We cannot thank Chris and Melinda enough for all of their support throughout the whole process of buying our home! It felt like we did nothing! Thank you SO much Chris!
NH
Nathan Hick
I had an amazing experience working with Chris! From start to finish, the process was fast, straightforward, and hassle-free. He took the time to explain everything clearly, guided me through each step, and ensured that all my questions were answered promptly. The loan was sorted out quickly, and I couldn’t be more satisfied with the service provided. Highly recommend Chris for anyone looking for a seamless, efficient experience with their loan process!
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.
LMI is a type of insurance that protects the lender in case the borrower defaults on their loan. It is usually required when the borrower's deposit is less than 20% of the property's value.
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).
Many mortgage brokers in Australia do not charge fees to borrowers. They are compensated by the lenders they work with. However, it's important to clarify this with the broker upfront and understand any potential fees before proceeding.
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.
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.
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.
The amount you can borrow depends on various factors such as your income, expenses, credit history, and the lender's assessment criteria. A mortgage broker can help you determine your borrowing capacity based on your individual circumstances.
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.
A mortgage broker is a professional who acts as an intermediary between borrowers and lenders to help people secure home loans. They assess your financial situation, research available mortgage options, and assist in finding the most suitable loan for your needs.
Yellow Mortgage House 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).
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.
Site by Broker Studio