{"id":1744,"date":"2022-02-08T05:56:26","date_gmt":"2022-02-08T05:56:26","guid":{"rendered":"https:\/\/royabhishek.in\/urbanbuyer\/everything-a-property-investor-needs-to-know-about-refinancing\/"},"modified":"2022-02-08T05:56:26","modified_gmt":"2022-02-08T05:56:26","slug":"everything-a-property-investor-needs-to-know-about-refinancing","status":"publish","type":"post","link":"https:\/\/royabhishek.in\/urbanbuyer\/everything-a-property-investor-needs-to-know-about-refinancing\/","title":{"rendered":"Everything a property investor needs to know about refinancing"},"content":{"rendered":"<p> [ad_1]<br \/>\n<\/p>\n<div>\n<div id=\"toc_container\" class=\"no_bullets\">\n<p class=\"toc_title\">Please use the menu below to navigate to any article section:<\/p>\n<\/div>\n<p><strong>Refinancing is simply the process of taking your home loan debt and moving it to another bank or lender.<\/strong><\/p>\n<p>If you can refinance your mortgage to a cheaper interest rate, you can save money on your monthly repayments or even own your home outright years sooner.<\/p>\n<p>Here\u2019s how it works.<\/p>\n<h2><span id=\"what-is-refinancing\">What is refinancing?<\/span><\/h2>\n<p><u><img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" class=\"alignright size-medium wp-image-158964 img-responsive\" src=\"https:\/\/cdn.propertyupdate.com.au\/wp-content\/uploads\/2021\/11\/refinance-300x201.jpg\" alt=\"Refinance\" width=\"300\" height=\"201\" srcset=\"https:\/\/cdn.propertyupdate.com.au\/wp-content\/uploads\/2021\/11\/refinance-300x201.jpg 300w, https:\/\/cdn.propertyupdate.com.au\/wp-content\/uploads\/2021\/11\/refinance-1035x692.jpg 1035w, https:\/\/cdn.propertyupdate.com.au\/wp-content\/uploads\/2021\/11\/refinance-1536x1027.jpg 1536w, https:\/\/cdn.propertyupdate.com.au\/wp-content\/uploads\/2021\/11\/refinance-1160x775.jpg 1160w, https:\/\/cdn.propertyupdate.com.au\/wp-content\/uploads\/2021\/11\/refinance.jpg 2000w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\"\/><a href=\"https:\/\/www.finder.com.au\/home-loans\/refinancing-home-loans\" target=\"_blank\" rel=\"noopener\">Refinancing<\/a><\/u> is exactly what it sounds like: it\u2019s the process of taking your finance arrangement and \u201cre\u201d doing it with a whole new lender.<\/p>\n<p>You can apply for a new loan directly with a new lender, or through a mortgage broker.<\/p>\n<p>In the past, refinancing was often time-consuming, involving multiple in-person meetings, trips to the bank, visits to sign the paperwork, and endless searches for supporting documentation.<\/p>\n<p>These days, advances in technology have made refinancing far more simple.<\/p>\n<p>You can often do it online, and many aspects have been streamlined and digitised.<\/p>\n<p>For instance, some lenders have the technology to automatically \u201ctalk\u201d to your employer or the tax office, making it easy to quickly and accurately verify your income.<\/p>\n<p>When you apply to refinance, the lender will assess your application and run a credit check.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" class=\"alignright size-medium wp-image-93153 img-responsive\" src=\"https:\/\/cdn.propertyupdate.com.au\/wp-content\/uploads\/2017\/09\/australian-mortgage-finance-300x285.jpg\" alt=\"Australian Mortgage Finance\" width=\"300\" height=\"285\"\/>Your credit file is like your money resume \u2014 it demonstrates to the bank how reliable and responsible you are with money.<\/p>\n<p>The better your credit score, the better your odds of getting home loan approval.<\/p>\n<p>The lender may also ask for a valuation on your home, to make sure your refinance amount isn\u2019t too high and to establish your loan to value ratio (LVR).<\/p>\n<p>If your loan is approved, you\u2019ll sign new mortgage documents, and once the refinance settles, your debt officially moves to the new lender.<\/p>\n<p>The new lender pays out your existing loan and takes over the title deed to your property.<\/p>\n<p>If you\u2019ve borrowed any extra money during the refinance, those funds will be deposited into your bank account for you to access on settlement day.<\/p>\n<h2><span id=\"how-can-refinancing-save-you-money\">How can refinancing save you money?<\/span><\/h2>\n<p><!-- BODY --><br \/>\n<!-- \/21854739906\/PUAds --><\/p>\n<p>If you refinance to a new loan with a new, lower interest rate than you\u2019re currently paying, you\u2019ll immediately start saving money.<\/p>\n<p>And here\u2019s the thing: it\u2019s almost guaranteed that some bank, somewhere, is offering a lower rate than you\u2019re currently paying.<\/p>\n<p>The trick is making sure they don\u2019t charge whopping fees that cancel out the benefit of the rate reduction (and of course, making sure you qualify for finance with them).<\/p>\n<p>Many banks even offer a \u201ccashback\u201d as an incentive, to encourage you to refinance.<\/p>\n<p>I refinanced just before Christmas and my new bank gave me $3,000 to entice me across.<\/p>\n<p>The fees to refinance were about $800 in total, for a couple of government fees worth $197.50 each, and a break fee when I ended my existing fixed-rate loan.<\/p>\n<p>This $3,000 cashback deal meant I was $2,200 ahead before I even calculated the interest savings.<\/p>\n<h2><span id=\"heres-a-quick-example-to-show-you-how-refinancing-can-save-you-money\">Here\u2019s a quick example to show you how refinancing can save you money<\/span><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" class=\"alignright size-medium wp-image-148440 img-responsive\" src=\"https:\/\/cdn.propertyupdate.com.au\/wp-content\/uploads\/2020\/11\/tax-budget-finance-money-300x200.jpg\" alt=\"Tax Budget Finance Money\" width=\"300\" height=\"200\" srcset=\"https:\/\/cdn.propertyupdate.com.au\/wp-content\/uploads\/2020\/11\/tax-budget-finance-money-300x200.jpg 300w, https:\/\/cdn.propertyupdate.com.au\/wp-content\/uploads\/2020\/11\/tax-budget-finance-money-1038x692.jpg 1038w, https:\/\/cdn.propertyupdate.com.au\/wp-content\/uploads\/2020\/11\/tax-budget-finance-money-1536x1024.jpg 1536w, https:\/\/cdn.propertyupdate.com.au\/wp-content\/uploads\/2020\/11\/tax-budget-finance-money-1160x773.jpg 1160w, https:\/\/cdn.propertyupdate.com.au\/wp-content\/uploads\/2020\/11\/tax-budget-finance-money.jpg 2000w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\"\/>Let\u2019s say you have a principal and interest home loan worth $650,000 and your variable interest rate is 2.79%.<\/p>\n<p>You can refinance to a 3-year fixed rate loan for 2.19%:<\/p>\n<ul>\n<li><strong>Current repayment at 2.79% <\/strong>= $2,668<\/li>\n<li><strong>New repayment at 2.19% <\/strong>= $2,465<\/li>\n<li><strong>Difference in interest rate <\/strong>= 6%<\/li>\n<li><strong>Difference in monthly repayment <\/strong>= $203<\/li>\n<li><strong>Savings over 12 months<\/strong> = $2,436<\/li>\n<li><strong>Savings over 3 years (the fixed-rate period)<\/strong> = $7,308<\/li>\n<\/ul>\n<h2><span id=\"what-if-you-already-have-a-fixed-rate-home-loan\">What if you already have a fixed-rate home loan?<\/span><\/h2>\n<p>It can be harder to break a fixed-rate loan to refinance, but it\u2019s by no means impossible.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" class=\"alignright size-medium wp-image-161238 img-responsive\" src=\"https:\/\/cdn.propertyupdate.com.au\/wp-content\/uploads\/2022\/02\/fixed-rate-300x225.jpg\" alt=\"Fixed Rate\" width=\"300\" height=\"225\" srcset=\"https:\/\/cdn.propertyupdate.com.au\/wp-content\/uploads\/2022\/02\/fixed-rate-300x225.jpg 300w, https:\/\/cdn.propertyupdate.com.au\/wp-content\/uploads\/2022\/02\/fixed-rate.jpg 800w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\"\/>In fact, my refinance I mentioned earlier involved breaking an existing fixed-rate loan, to lock in a different, better deal.<\/p>\n<p>I was previously 12 months into a 2-year fixed-rate at 2.19%.<\/p>\n<p>I broke my current fixed-rate loan and the fee to break was quite small, around $300.<\/p>\n<p>I locked into a new 3-year fixed rate with a new bank at 1.98%.<\/p>\n<p>This new loan takes me through to Christmas 2024.<\/p>\n<p>By then, it\u2019s forecast that interest rates will be 1\u20131.5% higher than they are now, so I\u2019ve hopefully locked in a great deal!<\/p>\n<h2><span id=\"how-can-refinancing-help-you-own-your-home-sooner\">How can refinancing help you own your home sooner?<\/span><\/h2>\n<p>In our example above, I\u2019ve shown you how refinancing can save you money.<\/p>\n<p>But you can also use it to help you own your home sooner.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" class=\"alignright size-medium wp-image-161239 img-responsive\" src=\"https:\/\/cdn.propertyupdate.com.au\/wp-content\/uploads\/2022\/02\/house-refinance-300x225.jpg\" alt=\"House Refinance\" width=\"300\" height=\"225\" srcset=\"https:\/\/cdn.propertyupdate.com.au\/wp-content\/uploads\/2022\/02\/house-refinance-300x225.jpg 300w, https:\/\/cdn.propertyupdate.com.au\/wp-content\/uploads\/2022\/02\/house-refinance.jpg 800w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\"\/><\/p>\n<p>Once again using the above figures, let\u2019s say you don\u2019t pay the new, lower home loan repayment.<\/p>\n<p>Instead, you keep your repayments at the existing amount.<\/p>\n<p>That $203 you\u2019re saving in interest, is now going towards the loan principal each month.<\/p>\n<p>You\u2019re not actually paying <em>any<\/em> more money than you pay today.<\/p>\n<p>But because you\u2019ve locked in a lower rate loan and you\u2019ve kept your repayments the same, you\u2019re paying an extra $2,436 per year towards your home loan balance.<\/p>\n<p>Our calculator shows that in the above example if you started doing this 2 years into your 30-year loan term, you\u2019d own your home outright almost 3 years sooner by using this strategy.<\/p>\n<p>It\u2019s a relatively easy and effective way to get off the property ladder sooner, and it doesn\u2019t require you to dig any further into your own money.<\/p>\n<h2><span id=\"how-often-can-you-refinance\">How often can you refinance?<strong><br \/><\/strong><\/span><\/h2>\n<p>As often as you like! I\u2019ve actually refinanced twice in the last 18 months, and I\u2019ve received 2 cashback in the process \u2014 the first was worth $4,000 and the second was worth $3,000.<\/p>\n<p>While there\u2019s no real limit to how often you can refinance, it can impact your credit file if you have too many inquiries (or applications for credit).<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" class=\"alignright size-medium wp-image-161240 img-responsive\" src=\"https:\/\/cdn.propertyupdate.com.au\/wp-content\/uploads\/2022\/02\/house-refinance2-300x225.jpg\" alt=\"House Refinance2\" width=\"300\" height=\"225\" srcset=\"https:\/\/cdn.propertyupdate.com.au\/wp-content\/uploads\/2022\/02\/house-refinance2-300x225.jpg 300w, https:\/\/cdn.propertyupdate.com.au\/wp-content\/uploads\/2022\/02\/house-refinance2.jpg 800w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\"\/>The general rule of thumb is that you should review your existing home loan every year or two, to make sure you\u2019re not paying too much.<\/p>\n<p>If it\u2019s been more than 2 years since you took out your mortgage then there\u2019s a decent chance you\u2019re paying more than you need to.<\/p>\n<p>Shopping around is easy and can save you thousands of dollars.<\/p>\n<p>Also keep in mind that if you can find a better deal elsewhere, you can also approach your existing lender to ask whether they\u2019ll match it on your existing loan.<\/p>\n<p>This can be a really effective way of reducing your interest rate and paying less for your loan, with very little effort involved.<\/p>\n<p>In fact, it could be the most profitable phone call you make this year.<\/p>\n<p><span style=\"color: #ff9900;\"><strong>ALSO READ: <\/strong><\/span><a href=\"https:\/\/propertyupdate.com.au\/the-rba-is-well-ahead-of-its-forecasts-so-can-we-expect-the-same-for-the-property-market\/\" target=\"_blank\" rel=\"noopener\">The RBA is well ahead of its forecasts, so can we expect the same for the property market?<\/a><\/p>\n<p><!-- \/21854739906\/SentDiff --><\/p><\/div>\n<p>[ad_2]<br \/>\n<br \/><a href=\"https:\/\/propertyupdate.com.au\/everything-a-property-investor-needs-to-know-about-refinancing\/\">Source link <\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>[ad_1] Please use the menu below to navigate to any article section: Refinancing is simply the process of taking your home loan debt and moving it to another bank or lender. If you can refinance your mortgage to a cheaper interest rate, you can save money on your monthly repayments or even own your home [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":1745,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[37,38],"tags":[],"class_list":["post-1744","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-latest","category-property-investment"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.9 (Yoast SEO v27.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Everything a property investor needs to know about refinancing | Urban Buyer: Buyers Agent &amp; Advocates | Best Property Buyers For You<\/title>\n<meta name=\"description\" content=\"Please use the menu below to navigate to any article section: Refinancing is simply the process of taking your home loan debt and moving it to another\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/royabhishek.in\/urbanbuyer\/everything-a-property-investor-needs-to-know-about-refinancing\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Everything a property investor needs to know about refinancing\" \/>\n<meta property=\"og:description\" content=\"Please use the menu below to navigate to any article section: Refinancing is simply the process of taking your home loan debt and moving it to another\" \/>\n<meta property=\"og:url\" content=\"https:\/\/royabhishek.in\/urbanbuyer\/everything-a-property-investor-needs-to-know-about-refinancing\/\" \/>\n<meta property=\"og:site_name\" content=\"Urban Buyer: Buyers Agent &amp; 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