If you have an existing mortgage and think you could get a better deal, loan refinancing might be the answer. At Intuitive Finance, we help you assess the market and either renegotiate with your current lender or move to a new provider to secure a better rate. With ever-changing market conditions, it’s always worth checking if you’re getting the best deal possible. Our up-to-date knowledge of lender performance ensures that we can find the right refinancing solution tailored to your needs.
What is Loan Refinancing?
Loan refinancing involves moving from your existing loan to another, either with your current lender or a new one. This change could involve securing a lower interest rate, renegotiating the terms of your loan, or switching to a new loan product altogether. Refinancing offers flexibility, allowing you to adapt your mortgage to better suit your current financial situation and potentially save money in the long run.
ADVANTAGES
- Better Interest Rates: Refinancing can help you secure a more competitive interest rate, potentially lowering your monthly repayments.
- Increased Flexibility: Adjust the terms of your loan to suit your changing financial circumstances.
- Cost Savings: Over time, refinancing can save you money by reducing the overall interest paid on your loan.
DISADVANTAGES
- Fees and Costs: Refinancing may involve fees, such as break costs or application fees, which should be considered before making the switch.
- Credit Checks: Refinancing involves a credit check, which could impact your credit score.
- Time-Consuming: The process of refinancing can take time if you are doing it yourself. You’ll have to manage everything from comparing rates to lodging paperwork with your new lender.
What’s Involved in Refinancing Your Loan Through Intuitive Finance?
Initial Meeting
A 1-hour session to establish your financial and lifestyle goals, discuss the fact-finding document, and agree on a timeline for its return.
Fact Finding Submission
We will submit the completed fact-finding document.
Strategy Submission
Within 5 days of receiving the completed fact-finding, a written strategy is submitted to you.
Document Lodgement
Within 2 days of agreeing to proceed, documents are lodged with the institution.
Conditional Approval
Expect conditional approval within 1 to 3 days of lodgement.
Unconditional Approval
Expect unconditional (full) approval within 2 to 4 days after conditional approval.
Loan Documents Arrival
Expect loan documents to arrive within 2 to 5 days after unconditional approval.
Loan Settlement
Expect loan settlement within 3 to 5 days after submitting the signed loan documents.
Complimentary Obligation-Free Consultation
Discuss your specific needs and discover the best financing options for you. Get in touch to
organise your complimentary 60-minute session today!
Mortgage Refinancing Tool
Real Feedback from Real Clients
Buying property is one of the most stressful things you’ll ever do, and I was dreading it!
However Natasha, Melissa, Clarise, Andrew and Bonnie were all amazing at helping me through the application for finance. They all provided exceptional care, a wealth of knowledge and always got back to me promptly with answers to all my questions 😄
The whole team had a great ability to put me at ease throughout the whole process! I can’t thank you all enough and I’m so happy in my new home!
I would wholeheartedly recommend the Intuitive finance team 100% as the finance brokers for anyone needing help with financing!
Thanks again so much, you’ve helped me get to the place I wanted to be!
We had a complex situation with multiple properties, and Craig took the time to understand our needs and worked tirelessly to secure the best possible deals. We refinanced three of our properties, and the process was seamless thanks to Craig's guidance.
Their communication was outstanding, keeping us informed every step of the way. What really stood out was their willingness to go above and beyond to ensure our financial goals were met. Their professionalism, knowledge, and passion for their work are a rare find in the finance industry.
We can't recommend Craig and the team at Intuitive Finance highly enough. If you're looking for a finance broker who will truly look after your interests, look no further.
Thanks Michael & Alana
What sets them apart is their exceptional communication, organization, experience, and teamwork. They operate like a well-oiled machine, ensuring everything runs smoothly and efficiently. Despite being based in Perth, working with Lachlan and Craig in Melbourne was seamless. These two are absolute standouts—always available, quick to return calls, hardworking, and incredibly fast.
I also had the pleasure of working with Melissa and Clarise, who were equally lovely and professional. The entire team made the process stress-free and straightforward, something I’ve rarely encountered in this space.
I’ve already recommended Intuitive Finance to my family and friends because I know they’ll be in safe hands. If you’re looking for a broker that goes above and beyond, look no further. Highly rated and highly recommended!
A special thanks to Lachlan who was simply fantastic to deal with across a two year period and to Craig who made the final processes seamless.
Our Commitment to the Community
With every loan we settle, you can choose to support Challenge – supporting
kids with cancer, the Movember Foundation, or the Lungitude Foundation.
We donate $20 to your chosen charity and make annual contributions. It’s our
way of giving back and helping those in need.