Financial Planners in Kingscliff

Refinancing Murwillumbah

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Flexible Options for Refinancing Needs

Considering re-financing your loan? The most common reason people consider re-financing is to get a better interest rate. But it can also give you access to the equity of your home to cover major costs such as school fees, a family holiday or allow you to renovate your property which could, in turn, add to its value.


Before you make the decision, talk to us and we will help you consider all the options available to you.


Our team can help you understand the complexities of refinancing, assess loan products, and manage the transition effectively. Taking the time to evaluate your current loan and financial position is critical to making informed decisions. 


For refinancing assistance, call MoneySmith Group at 1300 788 552 to arrange a consultation. We serve clients Australia-wide, including areas like Murwillumbah, Kingscliff, the Gold Coast and the Northern Rivers.

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We at Moneysmith offer free consultations for Mortgage One-Eighty.

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Prioritising Clarity in Refinancing

Refinancing involves more than just changing loan terms. Evaluating the full scope of available options ensures that the new arrangement aligns with your financial goals. 


  • Interest Rates: Compare rates and structures to help identify potential savings. 
  • Loan Features: Review offset accounts, redraw facilities, and other features. 
  • Consolidation Opportunities: Striving to simplify multiple debts into a single repayment. 
  • Term Adjustments: Modify your loan term to suit your financial planning. 


Taking time to assess both the benefits and costs of refinancing helps ensure it aligns with your long-term objectives. Seeking tailored advice can further clarify your options.


Understanding your financial priorities is essential to making the right choice. Contact us to learn how we can support clients through refinancing decisions. 

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Frequently Asked Questions

  • What is refinancing?

    Refinancing replaces an existing mortgage with a new one, often to access better rates, features, or repayment terms. It involves assessing current loans and comparing new options. Understanding fees and conditions is crucial before proceeding.


    Refinancing may also offer opportunities to adjust your repayment structure. Carefully reviewing the impact on your overall financial position is essential before making a decision.  

  • How do I know if refinancing is right for me?

    Refinancing is worth considering if your financial situation or goals have changed. Assessing factors like interest rates, repayment terms, and loan features can help determine suitability.


    A professional evaluation of your current loan can highlight potential benefits or drawbacks. Consider your long-term financial goals to ensure refinancing aligns with your objectives.  

  • What are the costs involved in refinancing?

    Costs can include application fees, valuation charges, and exit fees. Evaluating these alongside potential savings can support a clear understanding of the financial implications.


    Additionally, some lenders may offer incentives to offset costs. Reviewing all terms and conditions thoroughly helps you avoid unexpected expenses.  

  • Can I refinance to consolidate debt?

    Yes, refinancing can help consolidate multiple debts into a single mortgage. This can simplify repayments and may reduce overall interest costs, depending on the loan terms.


    It is important to ensure the consolidated debt structure supports your financial goals. Seeking advice can clarify whether this approach is appropriate for your situation.  

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