Refinance with Us
& Never Think About Your Mortgage Again
We will monitor your Mortgage, so you never miss an opportunity to get better rate, access equity or borrow more
Refinance with Us
& Never Think About Your Mortgage Again
We will monitor your Mortgage, so you never miss an opportunity to get better rate, access equity or borrow more
We have helped:
120+
Reduce
Repayments
Are high mortgage repayments weighing you down? Explore options like a lower interest rate, debt consolidation, a longer loan term, and a better loan structure.
220+
Maximise
Borrowing
Our deep knowledge of lender policies and ability to structure your loan in a way that helps you unlock more borrowing power sets us apart from the competition.
100+
Maximise
Equity Access
Are you looking to maximise equity access from your home but not sure where to start? We can help you unlock more equity through refinancing.
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.
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
Are you Tired of Keeping Track of Your Mortgage?
Like many homeowners working to stay on top of their mortgage, are you:
Unsure If You Have the Right Loan Right Now?
And want a way to quickly and easily double-check you’re not needlessly overpaying thousands in interest, fees, and tax?
Tired of Having Multiple Loans?
and want a way to consolidate your debt, reduce your payments, and free up cash to enjoy now or put towards home improvements or investments for your future?
In Two Minds About Your Current Bank or Broker?
And wish you could get support from a team that manages your mortgage and gets you on a better interest rate when you are eligible, and informs you about equity access, and borrowing opportunities.
Frustrated with Not Having the Right Finance Support?
And wish you could get support from a team that understands your goals and objectives. A team that creates a finance strategy so you can reach your goals faster.
Many homeowners have the same concerns. That’s why we’ve developed our
Mortgage Monitoring Service, which ensures you remain on a great home mortgage deal forever.
MORTGAGE CHALLENGES
Are you Tired of Keeping Track of Your Mortgage?
Like many homeowners working to stay on top of their mortgage, are you:
Unsure If You Have the Right Loan Right Now? And want a way to quickly and easily double-check you’re not needlessly overpaying thousands in interest, fees, and tax?
Tired of Having Multiple Loans? And want a way to consolidate your debt, reduce your payments, and free up cash to enjoy now or put towards home improvements or investments for your future?
In Two Minds About Your Current Bank or Broker? And wish you could get support from a team that manages your mortgage and gets you on a better interest rate when you are eligible, and informs you about equity access, and borrowing opportunities.
Frustrated with Not Having the Right Finance Support? And wish you could get support from a team that understands your goals and objectives. A team that creates a finance strategy so you can reach your goals faster.
Many homeowners have the same concerns. That’s why we’ve developed our Mortgage Monitoring Service, which ensures you remain on a great home mortgage deal forever.
More Loan Options
Unlike banks and other brokers that are often restricted to their own brand-name loans, we access our network of more than 50 lenders to find the right loan for your situation.
Financial Optimisation
While other advisors focus on individual loans and properties, we help you optimise your entire financial structure to free up cash flow and pay off your home sooner.
Negotiate On Your Behalf
Monitor the market and your current lender to see if there are any opportunities to negotiate a better rate on your behalf. Even if you don't ask us to, we will proactively seek out these opportunities and work to secure a better deal for you.
Refinance When Needed
If your current lender is unable to offer competitive terms and rates, don't worry. Our Mortgage Broking team will carefully consider the cost versus benefit of refinancing your mortgage and, if it makes financial sense, present you with a refinance option.
Hassle-free
Trust us to find the right mortgage solution for you. If refinancing is the right move, we'll make the process easy and stress-free, as we already have most of your information on file. Let us handle the details smoothly and efficiently.
PEACE OF MIND
Experience the
Only Mortgage Monitoring
Service on the Market
PEACE OF MIND
Experience the Only Mortgage Monitoring Service on the Market
We love helping people stay on top of their home loan(s):
More Loan Options
Unlike banks and other brokers that are often restricted to their own brand-name loans, we access our network of more than 50 lenders to find the right loan for your situation.
Financial Optimisation
While other advisors focus on individual loans and properties, we help you optimise your entire financial structure to free up cash flow and pay off your home sooner.
Negotiate On Your Behalf
Monitor the market and your current lender to see if there are any opportunities to negotiate a better rate on your behalf. Even if you don't ask us to, we will proactively seek out these opportunities and work to secure a better deal for you.
Refinance When Needed
If your current lender is unable to offer competitive terms and rates, don't worry. Our Mortgage Broking team will carefully consider the cost versus benefit of refinancing your mortgage and, if it makes financial sense, present you with a refinance option.
Hassle-free
Trust us to find the right mortgage solution for you. If refinancing is the right move, we'll make the process easy and stress-free, as we already have most of your information on file. Let us handle the details smoothly and efficiently.
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
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!
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
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
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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