Refinance Your Current Loan in Toowoomba, Darling Downs and Surrounding Areas
Toowoomba Mortgage Broker can help you refinance your current loan, so that you can make the most of competitive interest rates and attractive plans and even some bonus refinance cash back!
Refinance Your Current Home or Farm Loan in Toowoomba, Darling Downs or Surrounds
At Toowoomba Mortgage Broker, we can help you save money and free up cash by refinancing your current home loan or farm loan.
Country People Helping Country People Thrive
The Refinance Market is HOT!!!
Refinancing is one of the most popular services we offer Toowoomba residents. Unsurprisingly so!
Our team at Toowoomba can help you find better rates than you currently have. You can take advantage of a highly competitive market where lenders are fighting hard – by offering attractive rates to have you switch to them!
Give us a call on (07) 4646 4031 – you will talk to a real person! Or fill out our form – a real person will contact you!
What is refinance and how is it beneficial?
Refinancing is simply switching from your current lender to a different one. You will be paying out your existing mortgage with money from a new financial institution.
Our customers usually benefit from a lower interest rate when refinancing, which, in practical terms, means lower monthly repayments and more cash flow. If you still have 15-20 years ahead of you in terms of repayments, the lower monthly repayments can turn into thousands of dollars in savings. That is extra money that can go to your family, your business and your retirement.
While negotiating a lower rate is a highly positive outcome, the benefits shouldn’t stop there. There’s more to a mortgage than the interest rate.
Toowoomba Mortgage Broker will also look into the best loan features for you – that can be more flexibility such as being able to make additional repayments or redraw options.
Last but not least, with lenders fiercely competing, some of them offer cash incentives worth up to $4,000 to have customers switching to them!
To find out more about refinancing and how you could benefit from it, don’t hesitate to contact our friendly team.
We are Toowoomba Mortgage Broker, a mortgage brokerage service based in Toowoomba and Darling Downs, specialising in refinancing, rural loans, regional financing and everything agribusiness related.
How much do you save by refinancing?
Potentially, A LOT!
The vast majority of our clients who refinance save a lot of money over the years. This is cash that goes back to their family, their farm, their business, their retirement funds, etc.
If you want to know the ‘magic figure’, the only way to find that out is by contacting our friendly team of mortgage advisors at Toowoomba Mortgage Broker. There are many factors that need to be taken into account, but our expert team will be able to assess your individual circumstances.
How to refinance a current loan?
Although some paperwork is still required (as per industry standards), refinancing is one of the quickest and most straightforward services we offer at Toowoomba Mortgage Broker.
Like any other financial service, there is an eligibility process and some paperwork involved. However, compared to first-time borrowers, it tends to be much faster. Usually, the steps involved include:
1. Identify your current interest rate. By telling our team what your current interest rate is, we should be able to quickly estimate whether there are better interest rates on the market.
2. Identify your current mortgage features and your current needs. There are many things to consider such as offset accounts, repayment and redraw flexibility, debt consolidation options (where all your loans get consolidated into one simple repayment plan), and many more. We can go guide you through all of these options and we take time to find out what’s important to you.
3. Time to do the maths! We now should have all the information to do our homework! Toowoomba Mortgage Broker will crunch the numbers and compare the terms and conditions and will present this information in an “easy-to-understand” way so that you can compare the various options.
4. Compare Options and choose what’s best for you. You should now have all the information you need to make a final decision as to whether to refinance or not and, if refinancing, which lender is best for you.
5. Apply! It is time now to apply for your new loan with your chosen lender. The team at Toowoomba Mortgage Broker will guide you through all the necessary paperwork to maximise your chances of a successful application.
6. Switch lenders. Once your application is approved by the new lender and all documents are signed, you are ready to go! Your new lender will contact your current lender and organise the discharge process.
As a regionally based mortgage service, we can guide you through the refinancing process. Whether you are a full-time employee or self-employed, we will work with you to find the best deal available.
Refinance cash back offer
The finance sector is one of the most competitive industries around the world. Financial institutions fight fiercely for new customers! How do they fight? Usually by offering the best possible interest rates and most favourable terms and conditions, but there’s more- and it’s good news for borrowers!
It is becoming increasingly popular for lenders to offer cash incentives to attract refinance customers! So, switching to a new lender could potentially get you a nice cash bonus of up to $4,000.
To enquiry about this offer, contact the team at Toowoomba Mortgage Broker and we will be able to tell which lenders currently offer this.
We work with over 30 lenders, including:
Why Choose Toowoomba Mortgage Broker?
We are passionate about helping our Toowoomba and Darling Downs customers thrive! We provide tailored finance solutions for every borrower’s unique circumstances.
At Toowoomba Mortgage Broker, we take pride in helping regional Australia prosper and flourish. We aim to do this through our expert financing solutions that complement the needs of the regional communities we serve and live in.
With more than 20 years of experience, we know what the regional and rural lending market looks like and how to get your loan application approved in a timely manner.
We have strong relationships with rural lending institutions to provide competitive loan rates and a variety of flexible repayment plans. As a result of our partnerships with agricultural suppliers and financial institutions, we understand the intricacies of all types of loans.
Every loan is unique. Every customer is unique. Our team takes the time to understand your financial requirements and tailor a loan specifically for you. We are here to make your dreams come true.
Contact Us to Check Your Eligibility!
Other Loan Services We Offer in Toowoomba and Across the Darling Downs region
Rural Mortgage Broker Services
We provide general mortgage broker services in Toowoomba, Darling Downs and surrounding areas. As country-dwellers, we love seeing families and businesses get finance. Through our lending partners, we have hundreds of flexible loan products to suit your financial requirements and family plans, including:
First Home Loan
When considering your first home loan, we understand that you want to make the right choices for yourself and your family – we look forward to being your trusted choice in helping you achieve this.
From initial inquiry to settlement, our qualified home loan consultants will walk you through this lifecycle to make your experience as seamless as possible. We have over 20 years of experience, and we’re not going anywhere.
Our extensive knowledge of country lending ensures we don’t miss any details. So that you can focus on getting your new house, we will handle all the complicated paperwork for you.
Investment Property Loan
The property market is booming, so it’s time to get in on the opportunity to grow your wealth through smart investments. If you’re interested in investing in real estate, we can help you find the best loan through our trusted partners specialising in investment properties.
By working with our reputable network of lenders, we can offer you competitive loans for land, houses, and investment property anywhere in Australia.
We will give you access to our comprehensive loan servicing, ensuring your loan is managed correctly from day one.
Loan for Renovation and Property Improvement
Are you looking for ways to add value to your property and improve its market appeal? Or your family has outgrown your current living space? A renovation, extension or improvement loan is a loan that you can use for a range of home renovation and construction projects.
If you want more space or facilities for your growing family or expanding business, this is a perfect option for individuals or business owners wanting to leave a legacy.
Whether you need a loan for home renovations, extensions or a construction loan, we can provide you with several suitable options and a competitive interest rate.
There is no doubt that a renovation will increase the value of your asset!
Farm Loans for Beginner Farmers
Securing and funding your first farm investment or start-up can be extremely challenging.
As a leading finance broker specialising in agricultural finance, we have helped farmers across Australia secure a loan for their first venture. We have helped hundreds of people grow their farms to achieve their property goals. This is one of the most exciting and rewarding parts of our job!
Each farm is unique and deserves a loan package that fits its needs. With our vast network of rural stakeholders, we can help you get a more competitive loan than your bank.
Urban or Regional Investment Property
Are you considering an urban or regional investment? An investment property can be a great way to build wealth over the long term and secure a comfortable retirement.
Whether you plan on buying a property to rent out or refurbish and resell later, we can help you find a competitive loan to suit your needs.
Our network of lenders offers a range of loans to help you purchase an investment property today or in the future.
Farm Equipment Financing
Enabling Australian farmers is crucial to ensuring food security for our growing nation. Farm equipment financing helps farmers get the equipment they need to operate their farms.
With the help of our network of rural stakeholders, we can provide you with low-rate loans and lines of credit that allow you to purchase all of the farm equipment and machinery you need.
Our flexible financing allows you to choose your equipment supplier and brand. There is no requirement for land ownership, so you can finance almost any equipment needed to work on the land, from tractors to irrigators.
Our livestock finance service ensures you can purchase actual livestock or resources (food, medicine) to keep your livestock healthy and thriving.
We can secure finance for buying bulls, cows, goats, pigs, sheep, and other types of livestock and livestock resources. These loans are tailored to suit your requirements and can take advantage of property and equipment you already own.
About Toowoomba Mortgage Broker
We Have Experience
Toowoomba Mortgage Broker has been helping farmers in Toowoomba, Darling Downs and surrounding areas secure farm equipment finance for over 20 years. We pay attention to the details in the application process and understand what it takes to secure a farm equipment loan, even during difficult economic times.
We are Country People
When you involve us in your financing journey, we understand what regional communities and farming culture is. We also know rural terms, requirements, and regulations.
Vast Network of Lenders
We understand farmers across the country have varying needs and requirements based on location. This is why we offer farm equipment finance solutions across Australia.
Flexibility and Variety of Options
We allow you to choose from various loan types tailored to your financial situation and requirements.
Fast Approval Process
We have experience handling loan applications in various economic situations and can fast-track your farm equipment finance application.
You will complete all necessary documents within days rather than weeks or months, and your application will be approved.
Fast Turnaround Time for Funding
Getting approval from a lender does not guarantee to get the farm equipment financing you need for your operation. However, at Toowoomba Mortgage Broker, we provide a range of loan options, allowing you to choose from the best solution available. Once you approve your loan financing option, we’ll make sure your funds are available to you as quickly as possible.
After securing farm equipment financing with us, you will have a dedicated Relationship Manager. They will work closely with you to ensure you get the best financing solution for your needs.
At Toowoomba Mortgage Broker, we offer exceptional customer service and support to all our clients.
Get in touch with us today at (07) 4646 4031 to discuss your farm equipment financing requirements with one of our professionals.
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