Maximise Borrowing
and Equity Access
so you Can buy more properties and grow Your wealth faster
Maximise Borrowing
and Equity Access
To buy more properties and Your grow wealth faster
We have helped:
50+
Grow Property
Portfolio
Take control of your finances by refinancing and reduce mortgage repayments. Explore options like lower rates, debt consolidation, longer terms, and better structures.
220+
Maximise
Borrowing
Unsure where to borrow more as a multiple property investor? We specialize in finding lenders who cater to your circumstances, unlocking greater borrowing power for your investments.
100+
Maximise
Equity Access
Maximize equity access for multiple property investors through refinancing. Don't let valuable equity go to waste; use it as a deposit for your next investment property and grow your portfolio with our guidance.
We have helped:
50+
Grow Property
Portfolio
Take control of your finances by refinancing and reduce mortgage repayments. Explore options like lower rates, debt consolidation, longer terms, and better structures.
220+
Maximise
Borrowing
Unsure where to borrow more as a multiple property investor? We specialize in finding lenders who cater to your circumstances, unlocking greater borrowing power for your investments.
100+
Maximise
Equity Access
Maximize equity access for multiple property investors through refinancing. Don't let valuable equity go to waste; use it as a deposit for your next investment property and grow your portfolio with our guidance.
OUR ADVANTAGE
Smarter Lending for
Homeowners & Investors
Overcome
Challenges
We can help if your bank has said “no” to borrowing more money. If you can’t apply because of joint ownership, citizenship status, self-employment or other restrictions, we can help, too.
Smart
Mortgage Monitoring
We negotiate better rates with your lender or present refinance options if necessary. And we alert you with opportunities to access equity or borrow more. All this without you lifting a finger.
Grow
Wealth Faster
Your finance strategy is vitally important to your future wealth. Our smart finance strategy helps investors and homeowners grow their wealth faster.
MORTGAGE CHALLENGES
Feel Like You're Drowning in Property Mortgages? We're Your Lifesaver
You're an ambitious property investor. But with ambition come these challenges:
Are You Overpaying and Underperforming?
You might be unknowingly leaking thousands in unnecessary interest, fees, and taxes. Our experts can evaluate your situation and stop the financial bleed.
Can't Keep Track of Multiple Mortgages?
We offer tailored solutions to consolidate your debts, cut down your payments, and unlock capital. That’s more cash in your pocket for new investments or a well-deserved treat.
Unsure About Your Current Lender or Broker?
We're the partner you've been looking for. We’ll take charge of your portfolio, secure you improved rates, and keep you informed about every opportunity to grow.
Lack the Right Financial Support?
We're a team of experienced professionals who understand the game. We'll develop a robust financial strategy tailored to your goals, accelerating your journey to success.
we’ll delve into your worries and see if you qualify for our premium Mortgage Monitoring Service. With us in your corner, you can rest easy knowing you’ve always got the best financing deals for your property portfolio.
Take the Guesswork out of Property Investing. Start Your Free Lending Strategy Session Today.
OUR ADVANTAGE
Smarter Lending
for Homeowners & Investors
Overcome Challenges
We can help if your bank has said “no” to borrowing more money. If you can’t apply because of joint ownership, citizenship status, self-employment or other restrictions, we can help, too.
Smart Mortgage
We negotiate better rates with your lender or present refinance options if necessary. And we alert you with opportunities to access equity or borrow more. All this without you lifting a finger.
Grow Wealth Faster
Your finance strategy is vitally important to your future wealth. Our smart finance strategy helps investors and homeowners grow their wealth faster.
MORTGAGE CHALLENGES
Feel Like You're Drowning in Property Mortgages? We're Your Lifesaver
You're an ambitious property investor. But with ambition come these challenges:
Are You Overpaying and Underperforming?
You might be unknowingly leaking thousands in unnecessary interest, fees, and taxes. Our experts can evaluate your situation and stop the financial bleed.
Can't Keep Track of Multiple Mortgages?
We offer tailored solutions to consolidate your debts, cut down your payments, and unlock capital. That’s more cash in your pocket for new investments or a well-deserved treat.
Unsure About Your Current Lender or Broker?
We're the partner you've been looking for. We’ll take charge of your portfolio, secure you improved rates, and keep you informed about every opportunity to grow.
Lack the Right Financial Support?
We're a team of experienced professionals who understand the game. We'll develop a robust financial strategy tailored to your goals, accelerating your journey to success.
We’ll delve into your worries and see if you qualify for our premium Mortgage Monitoring Service. With us in your corner, you can rest easy knowing you’ve always got the best financing deals for your property portfolio.
Take the Guesswork out of Property Investing. Start Your Free Lending Strategy Session Today.
MORTGAGE CHALLENGES
Feel Like You're Drowning in Property Mortgages? We're Your Lifesaver
You're an ambitious property investor. But with ambition come these challenges:
Are You Overpaying and Underperforming?
You might be unknowingly leaking thousands in unnecessary interest, fees, and taxes. Our experts can evaluate your situation and stop the financial bleed.
Can't Keep Track of Multiple Mortgages?
We offer tailored solutions to consolidate your debts, cut down your payments, and unlock capital. That’s more cash in your pocket for new investments or a well-deserved treat.
Unsure About Your Current Lender or Broker?
We're the partner you've been looking for. We’ll take charge of your portfolio, secure you improved rates, and keep you informed about every opportunity to grow.
Lack the Right Financial Support?
We're a team of experienced professionals who understand the game. We'll develop a robust financial strategy tailored to your goals, accelerating your journey to success.
we’ll delve into your worries and see if you qualify for our premium Mortgage Monitoring Service. With us in your corner, you can rest easy knowing you’ve always got the best financing deals for your property portfolio.
Take the Guesswork out of Property Investing. Start Your Free Lending Strategy Session Today.
Your Entire Financial Structure, Amplified
While other advisors are tunnel-visioned on individual loans and properties, we offer a holistic approach. We strategize to optimise your entire financial structure, with a goal to increase cash flow and fast-track profit realisation.
Negotiating Power on Your Side
Never miss an opportunity to save. We monitor the market and your current lenders proactively. When there's a chance to negotiate a better rate, we step up, securing the best deal for you, whether you prompt us to or not.
Negotiate On Your Behalf
Never miss an opportunity to save. We monitor the market and your current lenders proactively. When there's a chance to negotiate a better rate, we step up, securing the best deal for you, whether you prompt us to or not.
Strategic Refinancing When Beneficial
If your current lender falls short in offering competitive terms and rates, we've got your back. We thoughtfully consider the cost-benefit analysis of refinancing your mortgage, and if it’s financially beneficial, we present you with a tailored refinancing strategy.
Maximise Your Portfolio Performance
Benefit from our continuous oversight and optimisation of your property portfolio. As your trusted partner, we ensure your investments are always primed for peak performance.
Ready for Next-Level Property Investing? Start with a Free Portfolio Optimisation Session Today.
Unlock Your Full Potential with Strategic Portfolio Optimisation
Strategic Portfolio Mastery
STRATEGIC PORTFOLIO MASTERY
Unlock Your Full Potential with Strategic Portfolio Optimisation
Your Entire Financial Structure, Amplified
While other advisors are tunnel-visioned on individual loans and properties, we offer a holistic approach. We strategize to optimise your entire financial structure, with a goal to increase cash flow and fast-track profit realisation.
Negotiating Power on Your Side
Never miss an opportunity to save. We monitor the market and your current lenders proactively. When there's a chance to negotiate a better rate, we step up, securing the best deal for you, whether you prompt us to or not.
Negotiate On Your Behalf
Never miss an opportunity to save. We monitor the market and your current lenders proactively. When there's a chance to negotiate a better rate, we step up, securing the best deal for you, whether you prompt us to or not.
Strategic Refinancing When Beneficial
If your current lender falls short in offering competitive terms and rates, we've got your back. We thoughtfully consider the cost-benefit analysis of refinancing your mortgage, and if it’s financially beneficial, we present you with a tailored refinancing strategy.
Maximise Your Portfolio Performance
Benefit from our continuous oversight and optimisation of your property portfolio. As your trusted partner, we ensure your investments are always primed for peak performance.
Ready for Next-Level Property Investing? Start with a Free Portfolio Optimisation Session Today.
6
REASONS
Why People Choose Us
Instead of their Bank or other Brokers
Maximise Your Borrowing
We know that each individual's circumstances are unique, and we specialise in finding the right lender to help you borrow more. Our extensive knowledge of lender policies allow us to assist you in reaching your property goals, whether that means buying your dream home or adding to your investment portfolio.
Maximise Your Equity Access
Lenders may assess the value of your property differently based on various factors, but our team can help you find the lender that will give your property the highest valuation. This can give you access to more equity, which can be used to fund your next investment property, pay for renovations, or even go towards a dream vacation.
Reduce Your Repayments
We offer a range of services to help reduce your mortgage repayments. This includes negotiating a better rate, consolidating high interest debt into your mortgage, and exploring options such as interest only payments or extending your loan term.
Monitor Your Portfolio
Our mortgage monitoring service helps you stay on a great deal on your home loan by negotiating better rates with your existing lender or presenting refinancing options as necessary. We also keep you informed of equity and borrowing opportunities so you can take advantage of them. All of this is designed to give you peace of mind and make it easier to stay on top of your home loan(s).
Driven by Your Goals
We are committed to finding the home loan lenders that will help you reach your goals faster. We don't just offer basic brokerage services – we take a long-term view and work to find solutions that will support you in the long run. Additionally, we understand that clients may come to us without fully considering their objectives and goals, and we are happy to spend time with them to clarify and ensure they are making informed decisions about their home loans.
Our Property Experience
With our significant experience in property investment and frequent exposure to property transactions, we have gained valuable insights into the most successful approaches and how to avoid common pitfalls. If you are considering purchasing your first home or investing in property, we can provide valuable guidance and support to help you make informed decisions.
6
REASONS
Why People Choose Us
Instead of their Bank or other Brokers
Maximise Your Borrowing
We know that each individual's circumstances are unique, and we specialise in finding the right lender to help you borrow more. Our extensive knowledge of lender policies allow us to assist you in reaching your property goals, whether that means buying your dream home or adding to your investment portfolio.
Maximise Your Equity Access
Lenders may assess the value of your property differently based on various factors, but our team can help you find the lender that will give your property the highest valuation. This can give you access to more equity, which can be used to fund your next investment property, pay for renovations, or even go towards a dream vacation.
Reduce Your Repayments
We offer a range of services to help reduce your mortgage repayments. This includes negotiating a better rate, consolidating high interest debt into your mortgage, and exploring options such as interest only payments or extending your loan term.
Monitor Your Portfolio
Our mortgage monitoring service helps you stay on a great deal on your home loan by negotiating better rates with your existing lender or presenting refinancing options as necessary. We also keep you informed of equity and borrowing opportunities so you can take advantage of them. All of this is designed to give you peace of mind and make it easier to stay on top of your home loan(s).
Driven by Your Goals
We are committed to finding the home loan lenders that will help you reach your goals faster. We don't just offer basic brokerage services – we take a long-term view and work to find solutions that will support you in the long run. Additionally, we understand that clients may come to us without fully considering their objectives and goals, and we are happy to spend time with them to clarify and ensure they are making informed decisions about their home loans.
Our Property Experience
With our significant experience in property investment and frequent exposure to property transactions, we have gained valuable insights into the most successful approaches and how to avoid common pitfalls. If you are considering purchasing your first home or investing in property, we can provide valuable guidance and support to help you make informed decisions.
TESTIMONIALS
What People Have to Say About Us
" ... They helped us in sourcing a great and comprehensive deal for our first dream home. Hats off to their professionalism and work ethics, they are highly knowledgeable about the banking products & the offers and truly understand their client needs when it comes to getting a comprehensive deal ..."
Farhan Effindi
"... my previous mortgage broker really blocked me to buy anything Zain from loan panda worked hard on my finances and got me approval to buy an investment without selling anything. Loan panda resolved all my queries quicker and in best possible manner which help me achieve my goal. I am now looking forward to increase my portfolio with their help ..."
Saurabh Neekhra
"... vowed to help us when some of the brokers we approached prior said that they couldn’t help us because our financial situation was not viable.
Zain was very pleasant to deal with, smart and swift which allowed us to secure one of the best home loan deals around. He was professional and never sat on our enquiries at all ..."
Imelda Mesa
YOUR NEXT STEP
Take Control of Your Mortgage
so, you can achieve your Financial Goals Faster!
Finding out more is quick and easy with a Free Finance Strategy Session during which:
You’ll get a clear understanding of your current loan situation compared to the current market (and how much you could save with simple refinancing and debt consolidation)
You’ll discover common financial structuring mistakes that cost homeowners thousands in overpaid interest, fees, and tax (and simple steps to avoid these costly pitfalls)
You’ll learn how to choose a mortgage that is tailored to your individual circumstances and goals (and how to prioritise interest rate vs. borrowing vs. equity access etc. and how right mortgage can help you achieve your financial goals faster).
You'll discover how to track your mortgage and seize the chance to lower interest charges, increase equity access, or maximise your borrowing potential.
You’ll explore ways how Loan Panda can help you achieve your financial goals quickly by saving thousands in interest, tax, and fees, allowing you to pay off your home years sooner (or maximize your borrowing or equity access to build your property portfolio faster)
Rest assured this will not be a veiled sales presentation. On the contrary, you will receive expert, independent guidance relevant to your specific situation.
Naturally, you are free to take the information we share and try to implement it yourself. Or you can join our many property investor clients and let us help you – totally free. In any case, we look forward to meeting you for your no-obligation, Free Lending Strategy Session.
YOUR NEXT STEP
Take Control of Your Mortgage
so, you can achieve your Financial Goals Faster!
Finding out more is quick and easy with a Free Finance Strategy Session during which:
You’ll get a clear understanding of your current loan situation compared to the current market (and how much you could save with simple refinancing and debt consolidation)
You’ll discover common financial structuring mistakes that cost homeowners thousands in overpaid interest, fees, and tax (and simple steps to avoid these costly pitfalls)
You’ll learn how to choose a mortgage that is tailored to your individual circumstances and goals (and how to prioritise interest rate vs. borrowing vs. equity access etc. and how right mortgage can help you achieve your financial goals faster).
You'll discover how to track your mortgage and seize the chance to lower interest charges, increase equity access, or maximise your borrowing potential.
You’ll explore ways how Loan Panda can help you achieve your financial goals quickly by saving thousands in interest, tax, and fees, allowing you to pay off your home years sooner (or maximize your borrowing or equity access to build your property portfolio faster)
Rest assured this will not be a veiled sales presentation. On the contrary, you will receive expert, independent guidance relevant to your specific situation.
Naturally, you are free to take the information we share and try to implement it yourself. Or you can join our many property investor clients and let us help you – totally free. In any case, we look forward to meeting you for your no-obligation, Free Lending Strategy Session.
FREQUENTLY ASKED QUESTIONS
Mostly People Ask Us
1. How do I know if refinancing is right for me?
There are several factors to consider when deciding whether refinancing is right for you. Here are a few things to consider:
Your current mortgage rate: If interest rates have changed since you took out your current mortgage, refinancing may be a good option to help you lower your monthly payments.
Your credit score: If your credit score has improved since you took your current Mortgage. A higher credit score can help you qualify for a lower interest rate on a refinance.
Your property has increased in value: If the value of your property has increased since you took out your mortgage, you might be eligible to access equity from your property or even qualify for a lower interest rate due to lower Loan-to-Value (LVR).
It's important to carefully consider these and other factors before deciding to refinance.
Speak to Loan Panda Mortgage Broker to get more information and help you make a decision that's right for you.
2. What are the benefits of refinancing?
Here are some potential benefits to refinancing your mortgage:
Lowering your monthly payments: If you are able to secure a lower interest rate on your new mortgage, you may be able to lower your monthly payments.
Consolidating debt: If you have high-interest debt, such as credit card debt, you may be able to use a cash-out from refinance to pay off that debt and consolidate it into your mortgage. This can be a way to reduce your overall monthly payments and simplify your finances.
Accessing equity: If you have built up a significant amount of equity in your home, you may be able to use a cash-out from refinance to access that equity and use it for other purposes, such as home renovations or deposit for your next property.
Speak to Loan Panda Mortgage Broker to find out which benefits relate your circumstances.
3. How long does the refinancing process take?
The time it takes to refinance a home loan can vary depending on several factors, including: the lender you choose, complexity of your financial situation etc. In general, the refinancing process can take anywhere from a few days to a few weeks.
Speak to Loan Panda Mortgage Broker to find out how long will it take to refinance your home loan.
4. What documents do I need to provide to refinance my mortgage?
To refinance your mortgage, you will typically need to provide the following documents:
1. Proof of Identity (Passport, Drivers License)
2. Proof of income (payslips, tax returns)
3. Your current mortgage statement
4. Proof of debts (credit card/ personal loan statements)
Depending on your lender, you may be required to provide additional documentation.
Speak to Loan Panda Mortgage Broker to find out what information will be required for your refinance.
5. How much does it cost to refinance my mortgage?
Some common costs associated with refinancing a mortgage include:
Legal fees: You may need to pay legal fees for a lawyer or conveyancer to review the refinancing documents and assist with the transfer of the mortgage to the new lender.
Valuation fees: Your new lender may require a property valuation to determine the value of the property you are using as collateral for the loan. This fee can vary depending on the location and type of property. Typically, this fee is waived by most lenders.
Discharge fees: Your current lender may charge a fee to discharge the mortgage from your property and transfer it to the new lender.
Lender's mortgage insurance (LMI): This is a type of insurance that some lenders may require if you are refinancing to a loan with greater than 80% loan-to-value ratio (LVR). The cost of LMI can vary depending on the size of your loan and the LVR.
A lot of lenders offer cashback of up to $5,000 to cover for any refinancing costs.
Speak to your Loan Panda Mortgage Broker to find out what lenders offers do you qualify for.
6. How do I choose the best refinance mortgage lender for my needs?
Here are some tips to consider when looking for a lender to Refinance your mortgage:
1. Consider your long-term financial goals: Think about your long-term financial goals and how the home loan refinance will fit into those plans. For example, if you're planning to sell your home in the near future, it may not make sense to pay for a lengthy refinance process.
2. Do your research: It's important to compare offers from multiple lenders to ensure you're getting the right deal for your circumstances. You can use websites like Canstar, RateCity, and Finder to compare rates from a variety of lenders.
3. Check for additional benefits: Some lenders may offer additional benefits, such as fee waivers, cashback offers, or other perks. These can be a good option if you're looking for additional value.
4. Check for lender-specific requirements: Some lenders may have specific requirements for refinancing, such as a minimum credit score or a minimum amount of equity in your home etc. Make sure you understand any requirements before you apply for a loan or avoid any loan declines on your credit file.
Speak to Loan Panda Mortgage Broker to get more information and help you make a decision that's right for you
FREQUENTLY ASKED QUESTIONS
People Typically Want to Know
1. How do I know if refinancing is right for me?
There are several factors to consider when deciding whether refinancing is right for you. Here are a few things to consider:
Your current mortgage rate: If interest rates have changed since you took out your current mortgage, refinancing may be a good option to help you lower your monthly payments.
Your credit score: If your credit score has improved since you took your current Mortgage. A higher credit score can help you qualify for a lower interest rate on a refinance.
Your property has increased in value: If the value of your property has increased since you took out your mortgage, you might be eligible to access equity from your property or even qualify for a lower interest rate due to lower Loan-to-Value (LVR).
It's important to carefully consider these and other factors before deciding to refinance.
Speak to a Loan Panda Mortgage Broker to get more information and help you make a decision that's right for you.
2. What are the benefits of refinancing?
Here are some potential benefits to refinancing your mortgage:
Lowering your monthly payments: If you are able to secure a lower interest rate on your new mortgage, you may be able to lower your monthly payments.
Consolidating debt: If you have high-interest debt, such as credit card debt, you may be able to use a cash-out from refinance to pay off that debt and consolidate it into your mortgage. This can be a way to reduce your overall monthly payments and simplify your finances.
Accessing equity: If you have built up a significant amount of equity in your home, you may be able to use a cash-out from refinance to access that equity and use it for other purposes, such as home renovations or deposit for your next property.
Speak to a Loan Panda Mortgage Broker to find out which benefits relate to your circumstances.
3. How long does the refinancing process take?
The time it takes to refinance a home loan can vary depending on several factors, including: the lender you choose, complexity of your financial situation etc. In general, the refinancing process can take anywhere from a few days to a few weeks.
Speak to a Loan Panda Mortgage Broker to find out how long will it take to refinance your home loan.
4. What documents do I need to provide to refinance my mortgage?
To refinance your mortgage, you will typically need to provide the following documents:
1. Proof of Identity (Passport, Drivers License)
2. Proof of income (payslips, tax returns)
3. Your current mortgage statement
4. Proof of debts (credit card/ personal loan statements)
Depending on your lender, you may be required to provide additional documentation.
Speak to a Loan Panda Mortgage Broker to find out what information will be required for your refinance.
5. How much does it cost to refinance my mortgage?
Some common costs associated with refinancing a mortgage include:
Legal fees: You may need to pay legal fees for a lawyer or conveyancer to review the refinancing documents and assist with the transfer of the mortgage to the new lender.
Valuation fees: Your new lender may require a property valuation to determine the value of the property you are using as collateral for the loan. This fee can vary depending on the location and type of property. Typically, this fee is waived by most lenders.
Discharge fees: Your current lender may charge a fee to discharge the mortgage from your property and transfer it to the new lender.
Lender's mortgage insurance (LMI): This is a type of insurance that some lenders may require if you are refinancing to a loan with greater than 80% loan-to-value ratio (LVR). The cost of LMI can vary depending on the size of your loan and the LVR.
A lot of lenders offer cashback of up to $5,000 to cover for any refinancing costs.
Speak to a Loan Panda Mortgage Broker to find out which Lender Offers you qualify for.
6. How do I choose the best refinance mortgage lender for my needs?
Here are some tips to consider when looking for a lender to Refinance your mortgage:
1. Consider your long-term financial goals: Think about your long-term financial goals and how the home loan refinance will fit into those plans. For example, if you're planning to sell your home in the near future, it may not make sense to pay for a lengthy refinance process.
2. Do your research: It's important to compare offers from multiple lenders to ensure you're getting the right deal for your circumstances. You can use websites like Canstar, RateCity, and Finder to compare rates from a variety of lenders.
3. Check for additional benefits: Some lenders may offer additional benefits, such as fee waivers, cashback offers, or other perks. These can be a good option if you're looking for additional value.
4. Check for lender-specific requirements: Some lenders may have specific requirements for refinancing, such as a minimum credit score or a minimum amount of equity in your home etc. Make sure you understand any requirements before you apply for a loan or avoid any loan declines on your credit file.
Speak to a Loan Panda Mortgage Broker to get more information and help you make a decision that's right for you
Loan Panda is a specialised mortgage broking firm based in Hills District of Sydney. Helping homeowners and property investors grow their wealth faster.
Loan Panda Pty Ltd is a Credit Representative (529991) of Finsure Finance & Insurance Pty Ltd (Australian Credit License 384704)
*All applications subject to assessment and lender approval
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