Life is constantly changing, so it's important your home loan fits in with your
life, not the other way round. If your home loan hasn't kept up to speed with you,
maybe it's time to refinance. Chances are refinance could suit your needs better,
not to mention save you thousands of dollars over the life of the home loan. To
have a better idea of what's involved in refinance, read these online notes. If
you need any more help, just ask.
If buying a new property is part of your reason for choosing refinance, there are
a number of things to consider.
Click here for tips to help you on your journey. We have also put together
a guide to refinance
which will help you determine the reasons to refinance.
Refinancing your home loan can save you lots of money, however, there may be some
upfront costs you need to budget for. You need to weigh up the short term pain for
the long term gain. Fees may include:
Here's a list of the sorts of things you need to provide. To see exactly what's
required for the different loans use our application checklist.
"What do I need to tell you in the application form?"
"What ID do I need?"
You need to choose two documents from the below list, at least one from the A list.
A referee then needs to certify the documents and verify your identity.
List of referees include:
"What about fees?"
We need details of the account you'll use to pay the valuation fees
Loan statement for the past six months
"What about salary information?"
"What if I'm self-employed or run a business"
If you are a sole trader you'll need:
If you run a business you'll need
"How about my Solicitor/conveyancer details?"
We need details of anyone acting on your behalf
If you are approved for an ING DIRECT home loan, we'll take care of all the paperwork
for you. But just so you know, here's what normally happens:
SMS 'home loan' to 133 464
and a Mortgage Specialist will call you back. Standard SMS rates apply. Not available
on Vodafone or 3 networks.
ING DIRECT is a division of ING Bank (Australia) Limited ABN 24 000 893 292 AFSL 229823, Australian Credit Licence 229823