Refinancing

What Is A Home Loan Health Check?

Take charge of your financial future with a refinancing home loan.

Savvy homeowners are saving money by refinancing a home loan with the help of an expert mortgage broker. Read on for our ultimate guide to home loan refinancing and to find out more about our free home loan health checks.

Home Loan Refinancing: Unlock Better Rates And Save Money On Your Mortgage

Do you want lower mortgage payments on your home loan? If so, a refinancing home loan could be the solution. Refinancing a home loan – with a new or the same lender – can be a great way to save money on your monthly payments, shorten the length of your mortgage or access additional cash. If you’re considering a refinancing home loan, take the time to compare rates from different lenders and ensure you fully understand the costs involved.

In this guide, we’ll walk you through the entire process of refinancing, from start to finish. We’ll cover everything you need to know, including:

We’ll also provide you with some tips and tricks to help you save money on your home loan. If you’re considering refinancing a home loan, this is the guide for you.

To lower your interest rate as soon as possible, schedule a free appointment with our expert refinance brokers today.

Why Should You Consider Refinancing A Home Loan? Discover The Benefits And Savings

Home loan refinancing can be a great way to save money and improve your financial situation. There are many reasons why you might want to refinance a mortgage, but some of the most common benefits include:

Refinance to a lower rate

Is your interest rate creeping up? Or is the fixed interest rate period on your mortgage about to end? If so, it could be a good time to consider refinancing your home loan to secure a more competitive interest rate.

Reduce your loan term

Do you wish you could pay your mortgage off faster? Refinancing to a shorter loan term can help you do just that. This could end up saving you a lot of money and give you peace of mind knowing you’ll be debt-free sooner.

Consolidate your debts

Are you juggling high-interest debts, such as credit cards or a car/personal loan? You may be able to save money by refinancing your home loan and consolidating the debt into a single, more manageable repayment.

Access equity for a cash-out

Do you need cash for a major purchase or emergency? You may be able to access it through home loan refinancing. This is called a cash-out refinance, and it allows you to borrow against the equity in your home.

If you’re considering refinancing a home loan, it’s important to compare rates from different lenders and understand the costs involved. You should also consider your financial situation and whether or not refinancing is the right decision for you. However, if you’re able to refinance and take advantage of a lower interest rate, you could save a lot of money over the life of your loan.

Mortgage brokers are legally obligated to work in your best interest and can take all the stress out of home loan refinancing. At ZEP Finance, our professional mortgage brokers will compare a range of lenders and home loan products for you. They’ll happily answer all your questions and advise on which options will best suit your personal financial situation.

The Pros And Cons Of Refinancing A Home Loan

Before you refinance your home loan, it’s important to weigh up all the potential advantages against any possible drawbacks.

Here are some of the pros and cons of refinancing that you can use to make an informed decision:

Pros of Home Loan Refinancing

Some of the benefits of refinancing a home loan include:

Lower Interest Rates: A refinancing home loan could give you access to lower interest rates. This could significantly reduce your overall interest costs.
Monthly Payment Savings: With a lower interest rate or an extended loan term, you could experience immediate savings on your monthly mortgage repayments.
Debt Consolidation: Home loan refinancing gives you a great opportunity to consolidate high-interest debts into a lower-interest mortgage. This can make it easier to control your finances.
Access to Home Equity: You can tap into your home’s equity through cash-out refinancing. These funds can be used for renovations, education costs or other major expenses (like purchasing a new car).
Improved Loan Terms: Refinancing a home loan will allow you to change the terms of your mortgage. This could include reducing or extending the length of the loan. Or you could change from a variable to a fixed interest rate.
Switching Loan Types: A refinancing home loan could enable you to switch from an interest-only loan to a principal and interest loan (to help you pay off your home loan faster).
Improved Credit Score: Refinancing to a more manageable monthly repayment can make it easier to ensure all payments are made on time. This will have a positive effect on your credit score.
Better Loan Features: Some home loan refinancing options will give you access to a better range of loan features. For example, you could opt for a loan product with a redraw facility or an offset account.

Cons of Home Loan Refinancing

There are some potential disadvantages to keep in mind when refinancing a home loan, such as:

Closing Costs: Home loan refinancing typically involves closing costs, which can offset the potential savings. This is why it’s essential to weigh the upfront costs against the long-term benefits before deciding to refinance.
Extended Loan Term: While refinancing can lower your monthly repayments, extending the loan term may result in you paying more interest over the life of the loan.
Lender Criteria: Just like when you originally applied for your mortgage, you’ll have to meet certain lending criteria for a refinancing home loan. This usually includes having a good credit rating, stable income and sufficient home equity.
Appraisal Costs: Some lenders may require a new home appraisal to assess your current property value. These costs will be passed along to you by the lender.
Potential Penalties: Some lenders will charge early payment penalties. If this is the case with your current lender, then refinancing could incur extra fees.

To understand more about the pros and cons of refinancing a home loan, talk to the team at ZEP Finance before making a final decision.

Refinancing A Home Loan: What You Need To Know Before You Start

If you’re thinking about refinancing your home loan, there are a few things you need to know before you get started:

Does this sound complicated? Working with a mortgage broker will get you the answers you need, without having to spend hours doing your own research!

Home Loan Refinancing Explained: Your Path To Lower Mortgage Payments

What are the different steps involved in refinancing a home loan?

Compare refinance rates from different lenders: There are many different lenders out there, so it’s important to compare rates before you choose one. A mortgage broker specialising in refinancing will present you with this information. They’ll also supply you with the details on why they recommend certain options for your situation, so you can make an informed decision.
Choose a lender and settle your new loan: Once you choose a lender, your mortgage broker will do all the paperwork and submissions for you. Once the refinancing home loan is approved, they’ll book settlement on your new loan.
Make your new monthly payments: Once your new loan settles, you’ll switch to your new interest rate and new monthly payments. Simple!

At ZEP Finance, we also offer a refinancing follow-up meeting with all our clients. This is to ensure your loan and payments are all working as they should and to see if you need any further assistance.

When Is The Best Time To Refinance Your Home Loan?

When is the best time for refinancing a home loan? Ideally, it’s when interest rates are low and there’s a lot of competition between lenders. Does this mean you should avoid refinancing when interest rates are going up? Not at all!

Between May 2022 and November 2023, the Reserve Bank of Australia (RBA) increased the official cash rate a record 13 times. Despite this, research from PEXA showed that over 450,000 Australian homeowners chose to refinance during the 2023 FY. That’s almost 14% more refinancing home loans than the previous fiscal year. Why are so many people choosing to refinance while interest rates are going up? There are two main reasons:

Increased Motivation: Many borrowers reached the end of their fixed interest term and suddenly found themselves paying their lenders (much higher) standard variable rate. This motivated them to refinance their home loan to secure a more competitive loan.
Increased Competition: With increased demand comes increased competition amongst lenders. This has resulted in lenders offering competitive interest rates and even lucrative cashback deals in an effort to secure new business.

If you’re wondering if it’s a good time to refinance your home loan, book a consultation with ZEP Finance today.

What Is A Home Loan Health Check?

Savvy homeowners can take advantage of a home loan health check when their interest rate is creeping up and they think it’s time to find a better deal.

What is a home loan health check? It’s a free service offered by the experienced team of brokers at ZEP Finance.

During a routine medical check, a doctor will assess your current health and provide suggestions for how you can make improvements. Similarly, our brokers can assess how “healthy” your current home loan is. We do this by reviewing your current home loan interest rate, term and features. We’ll also consider other relevant factors, such as the property value, your loan-to-value ratio (LVR) and your home loan statement.

After assessing all of these details, we’ll be able to provide you with feedback on your mortgage. If the assessment reveals that your current home loan is in great shape, then you’ll gain peace of mind from knowing you’ve got the right loan to suit your needs.

However, if your check-up reveals that your mortgage is looking a little “unhealthy”, we can provide expert recommendations on how to improve the situation. Often, this will include home loan refinancing.

An experienced ZEP Finance mortgage broker can perform this free review for you in a short amount of time.

Common Mistakes To Avoid With A Refinancing Home Loan

There are a few common mistakes that people make when refinancing their home loans. These include:

Failing to Compare Rates

Failing to compare interest rates from a variety of lenders can cost you a lot of money in the long run. By relying on your current lender or even just online research, you could be missing out on a more competitive interest rate that’s available through a mortgage broker.

Focusing Too Much on Rates

Don’t be so focused on finding the lowest interest rate that you forget to look at the big picture. An expert mortgage broker will help you consider all relevant factors, to ensure you get the best refinancing home loan deal for your personal circumstances.

Forgetting to Plan Ahead

Refinancing a home loan should be done with your future plans and financial goals in mind. You might want to sell your property in a few years, move for your career or start a family. These are all factors you need to consider before refinancing a home loan.

Neglecting to Talk to a Broker

There’s nothing wrong with doing your own research and asking family and friends for advice. But only a mortgage broker with expert knowledge in the lending industry will be able to help you find the refinancing home loan that’s in your best interest.

How can you successfully avoid these mistakes? Book with ZEP Finance for a free health check on your home loan.

How To Find The Best Home Loan Refinancing Deal

What’s the secret to finding the best home loan refinancing deal? Ultimately, it’s not about finding the lender with the lowest interest rates or the biggest cashback offers. Because the reality is, everyone’s financial situation is different.

We have different incomes, different credit scores, different LVRs, different goals for the future and different financial needs right now. So, the best home loan for you won’t necessarily be the best loan for your friend or a work colleague.

With this in mind, how can you find the right lender and the best refinancing home loan to suit you? Start by talking to an experienced mortgage broker. At ZEP Finance, we take a holistic approach to securing finance for our customers. This means we gather all of the relevant information before making a recommendation.

If you’re self-employed, we’ll only suggest lenders who are favourable towards self-employed borrowers. If you’re hoping to pay your mortgage off early, we won’t recommend a home loan with early payment penalties. And if you’ve got big plans for the future, we’ll ensure your loan won’t restrict you from achieving those goals.

If you’re looking for the best home loan refinancing deal to suit your needs, contact the team at ZEP Finance today.

Refinance Home Loans: Frequently Asked Questions (FAQs)

What is refinancing?

Refinancing is the process of replacing your existing home loan with a new one.

What are the benefits of refinancing?

Refinancing can help you save money and lower mortgage payments, shorten the length of your mortgage, or access cash.

What are the risks of refinancing?

Refinancing should only be done with careful consideration, ideally with a mortgage broker who understands your financial situation as well as the home loan industry. Risks can include missing out on a lower interest rate, choosing a loan with the wrong features for you, or putting yourself in a worse financial position without proper home loan guidance.

When is the best time of refinance?

The best time to refinance is based on individual circumstances. ZEP Finance can help you understand your current home loan and financial situation and whether it’s the right time for you.

Can I refinance if I have bad credit?

While having a good credit score can improve your refinancing options, it is still possible to refinance with bad credit. Depending on your credit score, the terms and interest rates offered may differ. Our team of refinancing experts can assess your situation and explore suitable refinancing options available to you.

What documents do I need to refinance my home loan?

The documents required for refinancing vary by lender but commonly include the same documents required for a new home loan mortgage. Documents can include proof of income, bank statements, tax returns, and property-related documents.

Can a local mortgage broker help me refinance my existing mortgage?

Yes, a local mortgage broker can help you refinance your existing mortgage by connecting you with lenders who offer refinance products that meet your needs.

Can a local mortgage broker help me if I'm self-employed?

Yes, a local mortgage broker can work with self-employed borrowers to help them find mortgage products that meet their unique financial situation.

Do I need to have a specific property in mind before working with a local mortgage broker?

No, you don’t necessarily need to have a specific property in mind before working with a local mortgage broker. They can help you understand your options and get pre-approved for a mortgage before you start shopping for properties.

Can I work with a local mortgage broker if I don't live in the same city or state?

Yes, you can work with a local mortgage broker remotely, regardless of where you live. Many mortgage brokers offer online or phone consultations and can help you secure a mortgage no matter where you’re located.

110+ Google Reviews And Counting

Mal Riddle

06:31 08 Apr 24

Zep finance went above and beyond in securing finance for our company vehicle. They updated me every step of the way and made a complicated process easy. Highly recommend.

Hanna Pritchard

04:38 05 Apr 24

I'd heartily recommend Kylie and the team at Zep for your mortgage needs.

Claire Westra

04:28 05 Apr 24

I'm a property investor with 6 properties thanks to this family run brokerage business. I have had nothing but exceptional service from Zep finance. They don't cross-collateralise, work closely with your accountant and are so smooth and easy to work with.Zains team consider well over 100 lenders to come up with the right loan product for investors. These guys do the hard yards and I could not recommend them more.

Nikki Fern

01:26 05 Apr 24

Highly recommend ZEP Finance, a local family-owned business whose kindness, passion, dedication & attention to detail shines through everything they do. Exceptional humans going above and beyond!

Billy Narvo Gleeson

03:59 04 Apr 24

The team at Zep were so incredibly helpful and made buying our first home not as stressful 10/10 recommend

Joshua Buttsworth

06:18 02 Apr 24

The team at Zep have been amazing.We had a more difficult settlement and each of the team gave me time, clear direction each step of the way and were extremely patient.Many thanks!!!Highly recommend

Carliene

23:22 25 Mar 24

Zain is absolutely fantastic. He helped us with the refinance of our first home to help us buy our dream large acreage property nearly three years ago. Coming off our fixed loans, Zain is now helping us keep our new variable rates as low as possible. He’s been of tremendous help during the process each time. Highly recommended!

tara curnow

08:01 24 Mar 24

The Team at ZEP were extremely helpful from the start to finish of the entire process and even after with check ins to ensure we are on a great rate and things are going smoothly. Extremely professional, fast and go above and beyond to ensure you reach your goals. Highly recommend!

Paul Chaffer

23:19 20 Mar 24

Kylie Harris, my broker was excellent in her approach and assistance. She was clear, concise and made it an effortless, streamlined process unlike other experiences I have personally had refinancing property. I felt trust, care and guidance from her and the team upon every step, delivering a great outcome. I have since produced two more leads for her with long term friends who were equally impressed.

Kylie Harris

23:17 20 Mar 24

Fantastic Team!! Second to none!!

Michael Wolhuter

23:19 01 Mar 24

ZEP took the time to explain the home loan process to making it stress free. They were always there to help when needed, wound highly recommend Zain and the team.

Jaime Muller

05:17 29 Feb 24

We had such a straightforward, no problems process with Zep. Communication was clear and consistent and the staff were all friendly and accomodating. Thank you!

Kurt Malavey

09:21 22 Feb 24

Zain and the team have helped us with loans, refinance and financial advice. They are unbelievable and easy to deal with. Call them now!

Shaun

06:36 22 Feb 24

Zain and the team were great. All the way from initial contact to past our settlement date to make sure the whole process was smooth.Dealing with Karina and Trudy they made everything hassle-free and had great communication at all times. 11/10, highly recommend.

Jasmine Dunwoodie

03:44 20 Feb 24

Zach Constantinou

11:00 15 Feb 24

caris galvin

22:31 13 Feb 24

We have been very happy with the service provided by Kylie and the rest of the team at ZEP finance- they've ensured a very smooth journey for our refinance and property purchase. We've already recommended them to friends and family

Matthew Gordos

11:43 11 Jan 24

ZEP Finance helped us throughout the process of selling and purchasing our homes by ensuring that paperwork and communication with our finance institutions was completed under tight timeframes

Ash Knowland

19:40 18 Dec 23

Zep finance helped us achieve what we were trying to do when no other brokers could. The whole experience was met with an extremely helpful and positive mindset with nothing ever being a problem.The addition of incredibly helpful staff made our experience with zep one that we will highly recommend to anyone looking to refinance like we did.Give Zain and the team a call, you won't be left disappointedAsh

Belinda Kehoe

04:27 18 Dec 23

Great service again from zep finance.Could not recommend them highly enough.

Dani Thompson

03:19 12 Dec 23

Can not recommend Zain and his team enough! They are amazing at what they do..their communication, knowledge and processes are flawless.Thanks again guys!!!

Paul O

23:51 05 Dec 23

Zain and the team at ZEP Finance are incredibly responsive to any questions and are genuinely customer-focused. They invest the time to get to know their clients and develop long-term relationships with them. It's comforting to know that expert advice and any assistance is only ever a phone call or email away. Over the past 5 years, I've found that they always act in the client's best interest and nothing is ever too difficult for them whether it be assisting with identifying the best lender for your needs, renewing loans or purchasing a home. They just make it happen!

Sorayah Zazuri

04:08 14 Nov 23

Zain, Emma and the whole team at ZEP finance have done an amazing job. They successfully navigated us through our construction loan, and then onto refinancing to get us a better home loan with a reduced interest rate. We’ll done guys! You have taken a huge weight off of our shoulders. We look forward to dealing with your amazing, local, Lennox Head, family run business for any new mortgage needs!

Greg Powell

21:29 07 Nov 23

Zain and his team are friendly, efficient and professional. We have used ZEP’s services on a few occasions and I can not speak highly enough of them. They are patient and understanding and go above and beyond any expectations you may have. No hesitation in giving 5 stars plus…. Your emergency is their urgency. Fast and easy.

Shannon Saye

23:26 31 Oct 23

Highly recommend using ZEP Finance they made the process of getting finance easy and completed the process quickly and efficiently.

Charlotte Monlun

03:34 10 Oct 23

Zain and the team at ZEP Finance came recommended when we started looking at buying near Lennox and needed financing. Zain was able to assist us in getting the best solution for our mortgage. The team was incredibly attentive, responsive with any queries we had along the way and professional. They made the process seem as seamless as can be considering the current lending context. A big thank you Zain, Trudy and Kelly for your expertise and support, we will certainly recommend your services.

Jamie Hetherington

11:14 03 Oct 23

Couldn't be happier with the team at ZEP Finance. Can be quite overwhelming when making these life changes and they eased us through it all! Thank you so much

Sheridan Veness

07:17 11 Sep 23

We just purchased our second home with Zain and his teams help and my goodness they are truly amazing ! They are quick and efficient and make the process stress free not to mention they are all so lovely and helpful with every need . Couldn’t recommend them enough!

Marnie Sironen

06:45 01 Sep 23

Zain, Emma, Karina and the team were wonderful. They expertly navigated our complex situation, were endlessly patient and explained everything to us in plain English, which was really appreciated. Highly recommend.

SALT GYPSY

00:35 26 Aug 23

We were recommended Zep Finance by friends of ours. Zain, Emma and the team met and exceeded our expectations and we couldn’t recommend highly enough. This was our first home loan experience and their communication was always prompt and clearly explained which made the whole process as straightforward as possible for us. Thanks so much for your perseverance and dedication to finding a home loan solution for us guys, really appreciated!

Jade Rogers

09:28 25 Aug 23

Brett Watson

05:01 14 Aug 23

Kylie Harris from Zep helped me throughout the process and was amazing in my opinion, I have already recommended Zep to friends .

Micheal Simpson

04:48 14 Aug 23

shelby milne

05:33 10 Aug 23

ZEP finance was fast and efficient. The whole team are more than accommodating and very friendly! I would 100% recommend and be using them again in future.

Andro Engelbrecht

00:12 25 Jul 23

Fantastic service once again! We've used Zain and the team from ZEP Finance for our past mortgages and recently to extend our current home loan to get some renovations done. Zain and his team was excellent at communication and did everything in a timely manner. Highly recommend and will definitely use them again in the future.

Hong K

13:03 05 Jul 23

Zep finance is truly amazing and will help you achieve the best result. As a first home buyer, I am not sure about the process but my broker Kylie and Karina have always been very helpful, always kept me informed throughout the process and went above and beyond to assist until it is all completed. It was an amazing experience I couldn’t have done it without ZEP Finance !!!

Louise Harris

10:41 11 May 23

Zep finance seamlessly managed our recent refinancing and made the whole process so easy for us. The whole team are friendly, professional and very thorough. They were also amazing to deal with a few years ago when we were first home buyers navigating a construction loan. Highly recommend!

Thomas Harris

04:30 10 May 23

Zain and the ZEP team helped us get our initial home loan in 2019 and have just assisted us with refinancing. Great team, happy to answer all questions and a smooth process. Would recommend to anyone, near and far - we work with team from Western Brisbane without any dramas!

Jean Barr

10:40 19 Apr 23

Made it easy for me to get my house loan. The staff were all very professional and made the whole process much easier and smoother. I would never have been able to settle on my purchase so quickly had I not had the team behind me. Everything was clearly explained to me. They took the stress out of the whole process.

Pip C

10:24 19 Apr 23

Zain and his team did a wonderful job securing me a home loan and helping me understand the steps involved. They communicated with all the necessary parties on my behalf and l couldn't have been happier with the work they did for me. I highly recommend ZEP finances. Many thanks Zain, Kylie, Lisa and all the team.From a happy first home owner!

Louise O'Connell

08:32 30 Mar 23

Zep Finance are world class! This was my 6th mortgage and by far the best advice and all round service I've ever experienced. Kylie went above and beyond to find me the best deal, with Trudy, Emma, Jasmine and Caitlin keeping me informed along the way. Thanks ZEP! I really appreciate the great loan you negotiated.Highly recommend this team!

Demi Kroehnert

01:23 28 Jan 23

Amazing⁫ experience for first home purchaseZEP Finance we’re excellent in making our fist home buying experience simple. Our broker, Joel, provided an awesome experience when purchasing our very first home and wer were able to purchase the home of our dreams. Throughout the whole process, Joel always communicated with us clearly and answered any questions we had, making sure we understood. Thank you to Joel and ZEP finance for providing us with a great experience and we will be sure to return when we need a broker in the future.

Brad Newby

22:20 27 Dec 22

The team at ZEP Finance were very professional throughout the whole loan process and provided us with several options that suited our circumstances. Not living local was not an issue for them and the communication provided from the ZEP team was amazing. If you are looking for a service which is tailored to your specific needs we highly recommend reaching out to Zain and his team. Thanks for helping us achieve another milestone in our lives.

Sophie and Steve Myburgh

05:17 16 Dec 22

So⁫ grateful for Zep Finance.There are few words that can explain our gratitute to Zain and Joel.The brokerage service was excellent from beginning to end in assisting us to secure our very first home.Zain and Joel made us feel valued and informed each and every step of the way on our journey to owning our own home.We can't thank them enough for their exceptional, meticulous, professional and efficent assistance and support.If you are looking for a broker, we can absolutely recommend Zep Finance and will continue to use their services in the future!From the Myburghs.

Abbey McBurney

23:37 20 Oct 22

Third⁫ time - Still Amazing ServiceThis was our third time working with ZEP Finance. The whole team supported us through a very difficult process negotiating with our previous lender following the February/March floods. We would have been lost without their support.They then switched gears and sprung into action to get us locked and loaded to buy a new, flood free home.Joel helped us obtain pre-approval with our preferred lender and the whole process from exploring options to pre approval to settlement was seamless and stress free.Zain has built a quality and caring team, whose attention to detail and customer service is hands down second to none.I have always, and will continue to recommend ZEP to anyone looking into finance options.

The Image Collective

05:22 04 Oct 22

Highly recommend the entire team at ZEP to anyone needing finance information or services. The results were nothing short of amazing. This experience for me has restored my reservations about loans/finance with their professionalism and knowledge. I understood everything that was explained, was given options and felt so empowered to leave my long term bank.I have since referred family and friends to see them and hope anyone reading this gives them a go. Trust me, you won't be disappointed. THANK YOU ZEP!!!

Nat Daley

00:18 02 Aug 22

Second to noneOver many years and many transactions, Zain Peart and his team (Kylie, thank you) have always been great, but this time they went above and beyond. Our situation is complex, the investment property transaction we just executed was complex, and what was even more complex was the timing of the transaction (floods, COVID-19, interest rate increases, maternity leave, personal matters etc). ZEP provided much needed stability in these uncertain times. There is nothing that office cannot do, and it seems the more complex the scenario the more they stand out. I cannot recommend ZEP highly enough, and do to my family, friends and clients 100% of the time.

Wan Bradridge

10:06 11 Jul 22

Amazing service! Zain, Kylie and the team went above and beyond for us. They made the process so easy. They did all the hard part for us, we didn’t even have to lift a finger! Always keeping us up to date with the progress of the loan application, very professional and friendly. We would recommend the team to anyone! Thank you guys! Craig and Wan

J C

10:03 11 Jul 22

I couldn't have asked for better service! Zain, Jasmine, Emma and the entire team at ZEP worked around the clock to find the best possible loan for my situation.If you're looking for a professional, timely, considerate and understanding broker, ZEP is my recommendation. Jasmine always replied to my requests quickly and efficiently and Zain worked tiressly to find the product just for me.

Sally Cook

10:02 17 May 22

PROFESSIONALSERVICE AND GREAT COMMUNICATION !!Zain,⁫ Joel and his team were extremely helpful, responsive and gave us excellent advice throughout the process of obtaining our loan and securing a home in this difficult property market. Their service was sincere and supportive and we would highly recommend to anyone to use their services. We will most definitely reach out to them once again for any further loan applications. These guys made it all happen !!! THANKS HEAPS

Helen Woodburn

00:55 15 Jan 22

Buying and selling property can be stressful so having someone assist us with our financing towards the selling and buying of a property was very important to us. Zain at ZEP Finance came highly recommended. Both Zain and his team did an incredible, efficient and professional job from start to finish. Zain's knowledge and experience is exceptional which instilled our confidence and trust. The team's communication was outstanding and their timely and prompt attention to detail provided comfort and peace of mind throughout the process. This meant we could focus on other necessities associated with moving house as well as saving us a heap of time. We would highly recommend Zain and ZEP Finance to anyone requiring a mortgage broker.

Refinancing

What Is A Home Loan Health Check?

Take charge of your financial future with a refinancing home loan.

Home Loan Refinancing: Unlock Better Rates And Save Money On Your Mortgage

Why Should You Consider Refinancing A Home Loan? Discover The Benefits And Savings

Refinance to a lower rate

Reduce your loan term

Consolidate your debts

Access equity for a cash-out

The Pros And Cons Of Refinancing A Home Loan

Refinancing A Home Loan: What You Need To Know Before You Start

Home Loan Refinancing Explained: Your Path To Lower Mortgage Payments

At ZEP Finance, we also offer a refinancing follow-up meeting with all our clients. This is to ensure your loan and payments are all working as they should and to see if you need any further assistance.

When Is The Best Time To Refinance Your Home Loan?

What Is A Home Loan Health Check?

Common Mistakes To Avoid With A Refinancing Home Loan

Failing to Compare Rates

Focusing Too Much on Rates

Forgetting to Plan Ahead

Neglecting to Talk to a Broker

How To Find The Best Home Loan Refinancing Deal

Refinance Home Loans: Frequently Asked Questions (FAQs)

110+ Google Reviews And Counting

About Us

Quick Links

Services

Contact Us