Refinancing

Guide to Strategic Refinancing Solutions

  • Expiration of Fixed Rate: Seamlessly transition from an expiring fixed-rate period, ensuring continued financial stability and flexibility.
  • Escape High Interest Rates: Liberate yourself from high-interest rates with other lenders, reducing monthly payments and saving more over the life of your loan.
  • Leverage Equity for Opportunities: Tap into your home’s equity for investment ventures, purchasing a new car, or funding home renovations, unlocking the potential for wealth growth.
  • Debt Consolidation Efficiency: Streamline your finances by consolidating debt using home equity, simplifying repayments and potentially reducing overall interest costs.
  • Lower Fees and Enhanced Features: Enjoy the benefits of lower fees and access to enhanced loan features, optimising your financial structure and improving the overall value of your loan.
  • Cash back Offers: Capitalise on cash back offers as an added incentive, putting money back in your pocket and making the refinancing process even more rewarding.

Eligibility Criteria

  • Need to be an existing homeowner with an active mortgage on the property you intend to refinance.

  • Lenders generally require a satisfactory credit score to qualify for refinancing. A higher credit score often leads to better loan terms and interest rates.

  • Lenders may require a certain level of equity in your home to approve the refinancing application. The amount of equity can impact the loan-to-value ratio (LVR) and overall eligibility.

  • Lenders assess your financial stability, including income, employment history, and debt-to-income ratio. A stable financial situation increases your chances of refinancing approval.

Amandeep Singh
Amandeep Singh
19/11/2023
It was really great dealing with @gurumortgagebrokers as the whole loan process was very smooth, transparent, quick, timely and in professionally manner. I wish them luck in their business to grow.
Melecio Donayre
Melecio Donayre
03/11/2023
I met Harry through a non-real estate related transaction, and we ended up talking about properties during our small talk. Although I had spoken with other brokers, Harry was the one who made me feel comfortable doing business with him. He was more than willing to accommodate me at his home for our first meeting, which spoke volumes about his credibility. Considering that I'm always busy during work hours, it was also great that he was available after 5PM. Sim took over for Harry in the documentation process to secure my loan. He's brilliant and has a welcoming demeanor. As a first-time home buyer, I'm sure I had a lot of "weird" questions, but Sim answered them all with patience and understanding. Just like Harry, Sim made sure he was available for me after office hours, which made everything much easier than I expected. This is the first property I'm acquiring, but if I'm in the market for my next investment, I don't have any reason to do business with another broker. I'm definitely satisfied with Guru Brokers. Thank you, Harry and Sim, for the wonderful service!
Faiza Anwer
Faiza Anwer
21/10/2023
Working with Harry and Simrat during our first home loan approval was a fantastic experience. Never felt left alone and guessing. Clear information and guidance provided during the process. Very knowledgeable and professional staff. Will definitely recommend for mortgage related services. Thank you
Abdul Hafeez Akram
Abdul Hafeez Akram
21/10/2023
Excellent support throughout the approval process. Very professional services and guidance at each step. Highly recommended.
K K
K K
17/10/2023
Harpinder is a very professional, knowledgeable and friendly Brocker. Would highly recommend him.
Troy Beaton
Troy Beaton
28/07/2023
I was told I could not get a house loan but simrat and harpinder at really short notice hace gone above and beyond to help me and now I can move into my new house with my family I would recommend these guys to everyone!!!
Caitlin Doran
Caitlin Doran
21/07/2023
Amazing mortgage brokers who go above and beyond for there clients!!! Will be recommending to everyone.
Eshika Sangwan
Eshika Sangwan
16/07/2023
I recently had the pleasure of working with Guru Mortgage Brokers, specifically Harry and Simrat, for my mortgage refinance. I must say, it was a fantastic experience from start to finish. Harry and Simrat made the entire process smooth and stress-free. They were extremely knowledgeable and paid great attention to detail right from the beginning. What I really appreciated was their excellent communication skills. They were always available to answer my questions and provided clear explanations, which made everything so much easier to understand. Throughout the process, they kept me informed about every step and made sure I felt confident and well taken care of. I highly recommend Guru Mortgage Brokers and the amazing team of Harry and Simrat for anyone looking to refinance their mortgage.
kauthar
kauthar
16/07/2023
My refinance journey with Guru Mortgage Brokers, guided by Harry and Simrat, was truly exceptional. Their personalised approach and commitment to finding the best rates and options for my specific financial situation were outstanding. Harry and Simrat went above and beyond to understand my needs and preferences, and they diligently researched and presented me with the most suitable choices. Their expertise and attention to detail were evident throughout the process, making me feel confident in my decisions. Moreover, their customer service was exceptional. They were always available to address my concerns and kept me well-informed at every stage. If you're considering a mortgage refinance, I highly recommend working with Harry and Simrat at Guru Mortgage Brokers for a seamless and rewarding experience.
umairah khan
umairah khan
16/07/2023
I recently had the pleasure of working with Harry and Simrat, the team at Guru Mortgage Brokers, for my refinance, and I couldn't be happier with the outcome. From the moment I reached out to them, they provided exceptional customer service and support. They took time to understand my financial situation and worked tirelessly to find the best rates and options for me. Throughout the entire process, Harry and Simrat demonstrated professionalism, expertise, and attention to detail. They were always available to answer my questions and kept me updated on the progress. Thanks to their guidance, my refinance went smoothly and I was able to secure a better deal. If you're looking for a trusted mortgage broker, I highly recommend Harry and Simrat at Guru Mortgage Brokers.

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