Refinance

Unlock Your Home’s Potential. Discover the Benefits of Refinancing with HR Mortgage & Finance.

Lower Your Interest Rate: Secure a lower interest rate and potentially reduce your monthly payments.
Consolidate Debt: Streamline your finances by consolidating high-interest debt into your mortgage.
Access Equity: Tap into your home’s equity to fund renovations, education, or other important expenses.
Achieve Financial Freedom: Take control of your finances and move closer to your long-term financial goals.
Seize New Opportunities: Refinancing opens doors to new financial opportunities and possibilities for a brighter future.
Expert Guidance: Our team of experts will guide you through the refinancing process, ensuring you make informed decisions every step of the way.
Customized Solutions: Tailored refinancing options designed to meet your unique needs and objectives.

Common reasons to refinance your mortgage

Lower your
mortgage rate

Secure a better interest rate to reduce your monthly repayments and total loan cost.

Access home
equity (cash)

Tap into your property’s built-up value for renovations, investments, or personal expenses.

break your current
mortgage

Switch lenders or loan types to gain flexibility or remove unfavorable terms.

How HR Mortgage & Finance Works

Initial Consultation

Have a phone or face-to-face conversation with our expert broker.

Loan Structuring

We need your financial documents and specifics about your requirements.

Apply For Pre-Approval

After finalizing all necessary details, we'll proceed to pre-approval. Typically, your pre-approval will arrive 5-7 working days, subject to the bank's processing time.

Find Your Dream Home

We'll be there to support and guide you every step of the way until you discover the perfect property. Once you've identified a property that meets your criteria and reached an agreement on price with the vendors, we'll recommend proceeding with signing the contract.

Get the Final Approval

Once the contract is signed, we initiate the valuation process. Subsequently, the solicitor/conveyancer will review the contract and conduct pest and building inspections. Concurrently, we'll proceed with submitting your loan for formal approval. The timeframe for obtaining formal approval may extend up to a week, contingent upon the bank's processes.

Settle Your Loan

When all the paperwork is complete the keys to your dream home will be handed over to you.