Servicing the Northern Beaches, NSW
0405 457 950
Refinancing
Is your home loan still the right fit?
Refinancing means moving your home loan to a new loan or lender. Patrick helps Northern Beaches borrowers weigh up the real costs and benefits first, so any switch is a considered one.
Compare before you switch
A lower rate is only one part of the picture. These are the five things we look at together.
- 1
Interest
Compare the total interest you would pay, not only the headline rate.
- 2
Fees
Application, ongoing and settlement fees all change the real cost.
- 3
Break and discharge costs
Leaving your current loan, especially a fixed one, can carry costs.
- 4
Remaining term
Extending your term can lower repayments but may increase overall interest.
- 5
Features
Offset, redraw and repayment flexibility only matter if you will use them.
One option we can recommend
Bolt, from the Zeus by LMG range
Zeus by LMG is a range of home loans. Bolt is the refinancing product within that range. Choice Property Finance is your broker, not the lender, and Bolt is just one of the options Patrick may compare for you.
Do you have a Pepper Money loan and want to reduce your rate and repayments?
Eligible applicants may be able to refinance with Zeus Bolt without income verification, subject to the lender’s terms, conditions and credit assessment.
Call me to discuss your options and check whether you qualify.
Call Patrick · 0405 457 950A lower rate or repayment is not guaranteed. Switching costs, loan term and eligibility need to be considered.
10 offset accounts
Spread savings across separate accounts that reduce the interest charged on your loan.
Unlimited redraw
Access extra repayments you have made, subject to the loan terms.
Split fixed and variable
Fix part of the loan and keep part variable.
Interest-only up to 10 years
Offered as 5+5 years, where eligible.
LVR-dependent cash out
Access to funds depends on your loan-to-value ratio and the lender’s assessment.
Visa debit
A Visa debit card linked to your account.
Self-employed and visa-friendly
Lending considered for self-employed borrowers and eligible visa holders.
Apartments 30m² and over
Smaller apartments fall outside the supplier’s stated size policy.
Things to know
- All features are subject to eligibility, loan terms, credit assessment, and fees.
- On fixed loans, offset and extra repayments share a combined $20,000 annual limit. Going over it can incur break costs.
- Rapid Refi is subject to eligibility. It is not guaranteed instant switching.
- Features and information may change, so check the latest terms with the supplier.
Get ready to talk
Bring what you have. Patrick can help find the rest.
- Your latest home-loan statement and current rate
- Recent payslips, or tax returns and financials if self-employed
- A list of other debts, cards and regular commitments
- Details of any fixed-rate period and when it ends
- What you want from a change: lower repayments, flexibility, funds or a simpler structure
How Patrick works with you
- 1
Talk with Patrick
A no-obligation chat about your current loan and what you want to change.
- 2
Review your loan
Patrick looks at your costs, term, fixed period and features in plain English.
- 3
Compare options
Bolt is considered alongside other lenders on Choice’s panel, and only recommended if it suits.
- 4
Decide and apply
If switching makes sense, Patrick prepares the application and keeps you updated.
Important information
Bolt is provided by Origin Mortgage Management Services (trading name of Columbus Capital Pty Limited, ACN 119 531 252, Australian Credit Licence 337303), the credit provider. Zeus by LMG is the product range and Choice Property Finance is a broker.
This is general information only and does not consider your objectives, financial situation or needs. Eligibility criteria, terms, fees and charges apply, and all lending is subject to credit assessment. Supplier information is subject to change. Read the latest terms at the official Zeus by LMG page.
Ready to make your move?
Whether you’re buying, refinancing or investing, a free, no-obligation chat is the best first step.