Refinancing Your Mortgage

Unsatisfied with your rates or seeking better customer service? You’re certainly not alone. There are always plenty of borrowers looking for a better deal.

A few minutes chat with us and you could $ave Thou$and$

Using loan comparison calculator below and compare two different loans with honeymoon rates, upfront fees, monthly fees and discharge fees.

taking advantage of a lower interest rate

consolidating their debts into one easy-to-manage loan

to free up cash

Love your life,refinance your home today.

Things you need to know

Thinking about mortgage refinancing or consolidating your debts? Are your credit card debts getting difficult to manage? If you are have a number of loans (i.e. mortgage, credit cards, personal loan, car loan etc) then refinancing your existing mortgage or home loan may be an option for you.
But it's not always the best. Before you leave your home loan in search of a lower rate, make sure you calculate all of the fees and charges which will be associated with your new loan, as well as comparing the interest rates.

Why should I refinance my home loan

-Home improvement such as remodelling, refurbishment, installing a pool or adding outbuildings.
-Debt consolidation to pay off credit cards, store cards and other loans.
-Saving money by refinancing to a mortgage with a lower interest rate or reduced fees.
-Accessing loan features better suited to your current situation, for example switching from a variable rate to a fixed rate.
-Accessing equity in your home for overseas travel, investment property and other purposes.
-If you're no longer happy with your current lender or loan, or your financial situation has changed, you may wish to consider refinancing.

What are the costs of refinancing

Refinancing can be useful, potentially allowing you to access the equity you have in your property, get on top of debt or save money. However, there are also potential costs (both direct and indirect) that you should be aware of before you decide to refinance.
Exit fees may apply when you pay out a loan early, usually in the first three to five years of your term. It could be a percentage of the remaining loan balance or it may be a set charge. Check your loan contract for more details. Costs of refinancing a home loan, investment property loan or commercial property loan may include:

New loan fees
application, establishment and registration fees
Stamp Duty & Fees
valuation fees
mortgage insurance (depending on the loan-to-valuation ratio)
Settlement fee

Current loan fees
early payment or settlement penalties and fees
discharge fees

Aden Finance's loan consultant will analyse your current situation, understand your future needs and suggest an appropriate solution. You can sometimes opt for a different loan with the same lender and save some money. Generally, people move to a different lender for various reasons like low interest rate, better service, etc.

We are here to help you

We always want to show our clients that there is a direct benefit to them when restructuring their finances. It is not difficult for you to look at the numbers and compare it to what you are doing now and decide for yourself.

  • Say "YES" more often
  • We work for you not the bank
  • Compare 100+ of home loans
  • Your needs and goals always come first
  • Love your life,refinance your home today
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