Rated 5 from 134 Reviews
Refinancing your mortgage can be a strategic move to optimise your financial situation. Whether you're looking to secure a better loan option, reduce loan repayments, or access equity in your property, The Funding Agency offers a range of solutions tailored to your needs. With access to banks and lenders nationwide, we help you explore various loan options available across Australia. Our aim is to guide you in finding a refinancing plan that aligns with your goals, whether you're based in Melbourne, Victoria or elsewhere in the country.
When considering refinancing, accessing a lower interest rate is often a primary objective. Refinancing can provide an opportunity to switch from a variable interest rate to a fixed interest rate or vice versa, depending on your financial goals. If your fixed rate period is ending, it might be the perfect time to consider refinancing to lock in a more favourable rate. Additionally, consolidating debts through refinancing can simplify your financial commitments, potentially leading to reduced loan repayments. Our expertise allows us to check eligibility for special lender policies that might benefit you, ensuring you get the most out of refinancing.
Another significant advantage of refinancing is the potential to release equity in your property. This could be an effective way to fund renovations or even buy your next property. By reassessing your property's value and loan amount, refinancing can help in releasing equity, providing you with funds for new opportunities. Furthermore, refinancing allows you to change your loan term, either extending it for lower repayments or shortening it to save on interest over time. With our streamlined application process, we assist in evaluating your financial situation and credit history to determine the best course of action.
Refinancing isn't solely about obtaining a lower interest rate; it's about finding better loan options that fit your lifestyle and future plans. Accessing loan options from banks and lenders across Australia means you have a wide array of choices tailored to your specific needs. Our team's expertise in the refinance interest rates market ensures that you are informed of the best options available. We simplify the application process, guiding you through each step, from gathering bank statements to assessing variable and fixed interest rates.
To sum up, refinancing can be a powerful tool for enhancing your financial health. By accessing a lower interest rate or better loan options, you can optimise repayments and unlock funds for future investments. The Funding Agency is here to assist you every step of the way, providing access to banks and lenders nationwide. Whether you're aiming to consolidate debts or release equity to buy the next property, our team is ready to help. Reach out today and let us help you transform your mortgage into an asset that works for you.
Start with a conversation with one of our expert Finance & Mortgage Brokers. We take the time to understand your financial goals and objectives. The broker will look to gain an understanding of your short term and long term plans.
To get started, we’ll request key information and documents such as income statements, bank records, and identification. Our team will guide you through the required paperwork to ensure a smooth process.
We conduct a thorough review of your financial situation like how a bank would. We assess your income, assets, liabilities, spending history and credit history. Based on this, we design a finance plan tailored to your needs, ensuring you maximise your borrowing potential and secure the most suitable loan structure. We will work with you to present the best possible options and discuss how your financial position impacts these options.
Once everything is in place and we have all relevant information and signed application documents, we will submit your loan application to the selected lender. We manage the process end-to-end, liaising with the bank or funder to ensure a seamless experience. We will keep you up to date with emails throughout the journey.
Once your loan is approved, we’ll guide you through the formal documentation process and the relevant steps towards settlement!
As settlement approaches, we coordinate with all relevant parties—your lender, solicitor, and other important parties—to ensure a smooth transaction. Once your loan is settled we will complete relevant checks to ensure that everything has been set up correctly (with your help)
Our relationship doesn’t end at settlement. We provide ongoing support through our **Customer Care Program**, helping you manage repayments, review interest rates, and explore refinancing or investment opportunities as your needs evolve.
AB
Alex Bogart King
I've done 5 or 6 refinances now through Dean and Bobby, easily the best in the business. If you're frustrated with the banks, go and see these guys... They are masters at navigating bank world and figuring out what's most suitable for you.
TM
Tayla McHale
Dean and the team were simply amazing. I approached Dean as I was looking to purchase my first home and had absolutely no knowledge of the process. Dean was very patient and made everything very easy to understand in turn making the process ...
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Oshani Withanage
Bobby and the team were extremely helpful, professional and accommodating in assisting me purchase my first home. Having them do all the heavy lifting made it a seamless experience for me which I’m grateful for. Would definitely recommend to all friends and family!
We provide a range of funding solutions, including development finance, residential and commercial property loans, business loans, and asset finance.
Yes, we provide private lending solutions for borrowers who may not meet traditional bank criteria, as well as tailored development finance for residential and commercial projects.
The timeline varies depending on the complexity of your application. Some loans can be approved within 24-48 hours, while larger or more complex funding may take longer
Interest rates and fees vary based on the loan type, risk assessment, and market conditions. Contact us for a personalised quote.
Eligibility depends on the type of funding you need. We assess factors such as financial history, creditworthiness, income, and project feasibility.
Yes, we offer pre-approvals to help you understand your borrowing capacity before committing to a loan.
Yes, early repayments are allowed on most loans, but some may have exit fees or break costs. We will outline any applicable fees upfront.
Typically, you’ll need identification, financial statements, tax returns, business plans (if applicable), and details about the asset or project you’re funding.
Yes, we assess applications holistically. While credit history is a factor, we also consider business performance, cash flow, and collateral.
You can start by filling out our online application form, calling our team, or booking a consultation to discuss your funding needs.
The Trustee for M2 FINANCIAL UNIT TRUST ABN: 82 394 905 612. Credit Representative #560421 is authorised under Australian Credit License #383640.
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.
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