• Get a lower interest rate

  Probably the most popular reason our clients come to us - get a lower interest rate on your mortgage. A lower interest means more money in your pocket, not the bank’s. At Crown Property Finance, we can save you thousands of dollars over the life of your loan, while also freeing up your cash now. With interest rates at record lows, now is the perfect time to review your home loan.

• Get a home loan with better features

Home loans have come a long way, and there are probably home loan features available to you now that weren’t available before.

You may want a home loan where you can make lump sum repayments without fees, a redraw facility without fees, or to open up an offset to save interest.

• Consolidate your debt

Many of us are juggling other debts such as a car loan or credit card, along with our home loans. with credit cards and car loans often carrying higher interest rate, consolidating your debts can potentially reduce your overall interest rate by streamlining your debts to one, lower interest debt - also reducing your monthly repayments.

• Release some of your equity

Whether your dreaming of a holiday, thinking of renovating, trying to get that pool in before Summer, or invest in property, refinancing can allow access to the equity in your home.

Reviewing your home loan can help you see exactly how much equity is available to you to use for other things, without selling up.

• Switch between variable and fixed rates

This is another popular reasons we see our clients refinancing. Some people want the security of a fixed rate - you know what your repayments will be each month without the possibility of increasing, and you’re happy to pay a slightly higher rate for that peace of mind.

On the flip side, there are people to take advantage of a lower variable rate and are happy to take the risk of a possible rise in interest rates.

Perhaps you want to split your mortgage, and have part variable and part fixed. At Crown Property Finance, we can help you structure your loans to suit your loans to best suit your needs.

• Banks are paying you to refinance with them

We don’t really need to elaborate on this one, but we will! Many banks are offering you a cash incentive to switch - pocket up to $4,000 just for switching to a better home loan, with better features, whilst saving money.

Crown Property Finance - happy refinance story

We assisted an existing big 4 bank client refinance their portfolio.

Over five properties, there was an average owner occupied rate of 2.85% and average investment rate of 3.50%. Through restructure and revaluation, we were able to:
✔ Release two of the five properties, discharge the security and release the deeds to client
✔ $3000 cashback
✔ $22,817 interest saving IN YEAR ONE!

Our clients are better off by over $25,000 than their old structure in year one alone!