Re-financing

  • Why Mortgage Reviews Should Become an Annual Habit

    A mortgage can easily become one of those financial commitments you stop thinking about once everything is running smoothly. The repayments come out of your account each month. The loan balance gradually falls. Life continues. But your mortgage does not exist in isolation from the rest of your financial life. Your income can change. Your […]

  • Should You Refinance Before Applying for Another Loan?

    Pinpoint Finance Insights Listen to a 20-minute podcast explanation. 0:00 –:– If you’re planning to buy another property, refinance an existing mortgage, or access equity, it can be tempting to refinance first. Perhaps another lender is offering a lower rate. Maybe your property has increased in value. Or perhaps you want to restructure your existing […]

  • Fixed Rate Ending Soon? Here’s What You Should Do Next

    You’ve received the email from your lender. Your fixed-rate period is ending. For many Australian homeowners, this moment raises a lot of questions. Will my repayments increase? Should I fix my loan again? Would refinancing save me money? Or should I simply stay where I am? The good news is that the end of your […]