go see a mortgage broker

Go through a mortgage broker

Just done this a few months ago! We got a few quotes from banks then went from there.. They can always negotiate too so don’t be scared to bring them down as much as you can

Discuss this with your bank and get a lot of information and read, read, read!

I would got to your bank first see if they will do a better deal

Most important thing is to research first and ensure you are getting the best deal if you are refinancing. But I’d speak with your lender first, see what they can do and then maybe look around.

I guess you need to work out if you are just looking for a better interest rate or whether you are wanting to get a top up on your home loan for some home improvements or an extension etc. We have done it via our Bank and another time with a mortgage broker. Either way they still make commission from your refinancing deal. Good luck and look into the finer details such as any monthly account fees or yearly fees that are some times charged for those cheaper interest rates.

Go to your main bank that you have finance with as they will jump through hoops to keep you as a customer and to help you refinance. It’s great I just did it and am saving myself thousands. which means paying it off earlier. Yipee!!
Good Luck

You need to go to your bank and ask them.
They will check to see what you have left on your current mortgage and then get a valuation done on your home to make sure you have the available funds to re finance.
Good luck it really doesnt take long.

Hi, I’m Matt Harris, Senior Product Manager at BOQ. Refinancing your loan is not as difficult as you may at first think and you might get a nice surprise by the savings you could make.

The first place to start is with a little bit of research by using home loan comparison websites to see what offers are available. When you are armed with this information you should contact your bank first and see what they are willing to offer. If they can’t match the offers you’ve found it’s probably time to have a chat with one of the other banks you’ve seen.

The process usually involves a loan interview to work out the best options for you, which can be done in person or over the phone. You’ll most likely then need to share some similar information as when you first applied for your loan including personal identification (e.g. license), income verification (payslips) and loan statements.

When considering refinancing it’s important to remember that a low interest rate is just part of a good home loan. You want to find someone you can trust and that can help you meet your goals by assisting with right loan for you. Head over to http://www.boq.com.au/refinance-home-loan.htm for some more detailed information on the refinance process.

Go to your bank and tell them you want to refinance, and they should have someone you can make an appointment with for free and will give you some obligation free advice on which way to go about it. We have just done this, best move ever ! Good luck

U can get a free consultation with a mortgage broker

You should look at a refinance calculator, to see if it is a worthwhile move, sometimes there are more costs involved in the change over to account for, a mortgage broker might be helpful, or speak to your own bank and ask them if they can do a better deal.

you should talk to your bank or a financial planner