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Refinancing – Paying Off Your Mortgage Faster
If you have a home loan and you are struggling to pay your existing mortgage,
refinancing your home loan may be the option for you.
By refinancing your home loan, we will be able to consolidate all of your current
debt repayments into one low convenient payment, where you end up paying a lot less
per month than what you currently are!
This is usually a direct result of you getting your exisiting debts onto a lower
interest rate, with lower monthly repayments.
Refinancing has many benefits which may include:
Paying off your motgage faster
Reduced Monthly repayments
Lower Interest Rates
Access your equity to fund personal expenses or renovations
Consolidating your credit card and personal loan debts
Mortgage refinancing is often used to consolidate credit card and personal loan debt
because a mortgage is available at a lower interest rate than the interest rate paid
on credit cards and personal loans.
When refinancing your home loan you need to make sure that you have a full
understanding of what you are doing. Also ensure the following:
You are better off as a result of the refinance you have chosen
You have any existing debts under control
Your repayments will be reduced and not increased
You are fully informed and understand the consequences of the steps
you are taking
There are no hidden costs
If you would like to find out more about refinancing your home loan click here NOW!
Do You Want to get rid of your Credit Card Debt ?
Debt Consolidation is becoming extremely common these days for the average Australian
family.
As people spend relentlessly on their credit cards each week, they always have the
intention of paying them off at the end of the month.UNTIL a large unexpected expense
pops up and has to be paid for on the credit card, and then believe it or not
something else breaks or needs replacing and the vicious cycle starts.
Does that sound familiar?
By this stage the debt has ballooned out on the card and we are unable to pay it out
in full for that month and the next month and so on.
If you are in this situation, the best way out of it is to consolidate your debts.
You must payout all of your credit card debt (which incurs interest at approx.16%)
and put in onto your home loan at approx. 7%
Our qualified home loan consultants can show you exactly how much time and money you
can save by consolidating your debts.
An example from one of our clients:
Home Loan $208,000 Repayments: $1350 per month
Credit Card $15,500 Repayments: $450 per month
Once you consolidate your credit card and your home loan:
Total Debt: $223,500 Repayments: $1,400 per month
SAVING $400 per month ($100 per week)!
To have one of our qualified debt consolidation specialists show you how much money
we can save you and your family, click here NOW!
Refinance Mortgage Rates
http://www.refiadvisor.com refinance Mortgage Rates – How to get the lowest possible rate when refinancing your home without paying junk fees.
Duration : 0:3:9
Real Estate Tips : How to Refinance a Mortgage
refinancing a mortgage can be a wise business decision. Learn how to refinance a mortgage using the real estate tips in this free video.
Expert: Richard Blake
Bio: Richard Blake is a licensed real estate agent that has closed more than 20 times the number of transactions per year than that of the average realtor for the last three years.
Filmmaker: Christopher Rokosz
Duration : 0:1:45
Mortgage Refinance and Debt Consolidation Video
Is refinancing your mortgage the best way to pay off your credit card debt? This mortgage refinance video from http://www.Bills.com reviews the pros and cons of this option.
Your home is the largest asset most people will ever own. As the value of your home increases, it’s tempting to tap that equity to pay off credit card debt. This can be a good idea, but it can also be dangerous to your financial future if you’re not careful. Andrew Housser, co-founder and CEO of Bills.com, reviews the four primary considerations before applying for a mortgage refinance loan to consolidate debt.
Duration : 0:2:20
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Looking for Debt Relief
http://www.debtconsolidationupdates.com/2352/credit-card-debt-negotiation-is-always-advantageous/ With the economy in trouble and more layoffs being announced every day, many people are looking for ways to stay out of trouble with credit card debt.
Duration : 0:3:37
Debt Consolidation
http://www.debtconsolidationsa.co.za – Apply online for all your debt consolidation requirements
Duration : 0:0:25
Is Refinancing That Popular?
Refinancing has become very popular over the past few years as the average Australian
continually obtains more and more personal debt to the point where the strain on
cashflow is almost too much to handle!
Our qualified home loan consultants can show you the best loan to refinance onto and
when to refinance. Some questions you need to ask yourself before you refinance are:
When should I refinance?
When you want to get rid of credit card debt or consolidate a number of your little
loans onto a debt with a lower interest rate. Getting a lower rate will reduce your
monthly payments and save you lots of money over the life of your loan.
Are there other reasons to refinance?
* To switch from a variable interest rate over to a fixed-rate home loan. That locks
in a rate you can live with comfortable and guarantees it won\’t go up.
* To switch from a fixed rate to a variable interest rate. If you plan to sell your
home in the next few years, you can lower monthly payments with a variable rate.
* To convert to a loan with a shorter term. That lets you save on interest payments
and build up equity in the property more quickly.
How do I decide if refinancing is really the right move?
The decision depends on several factors: the new interest rate, refinance costs, the
length of time you plan to stay in the house, how much equity you have built up in
the property, and whether you plan to take cash out of the refinancing to pay for
something like a home improvement project or a new car.
If you plan to move in a year or so, closing costs on a new loan might mean the
refinancing is not worth it.
What is a \’cash-out\’ refinancing?
One that lets you walk away with cash that can be used to pay for things like home
improvements, new cars, or holidays.
Home values have soared in Australian communities over the past few years and many
homeowners have built up substantial equity in their properties, qualifying them for
refinancing to take cash-out loans. Typically, banks will lend up to 80 percent of
the value of your home, and upto 95% in some cases .
For example: Your home is valued at 300,000. You may be able to borrow as much as
$285,000.
Do I have to go the lender who gave me the original mortgage?
No. Shop around, and do business wherever you get the best deal. If you apply to the
original lender, however, you might save money on refinancing costs because new
documents – such as a property valuation – might not be required.
To have one of our qualified home loan consultants show you the best loan to
refinance onto click here NOW!
How Much Money will Debt Consolidation Save You
Do you want to consolidate all of your debts into a simple all-in-one home loan ?
Imagine breathing a little easier after getting rid of all of your unwanted credit
card debt!
The amount of money you will save in interest is unbelievable. Youll just have the
one low interest rate home loan with just the one simple low repayment. After
consolidating your personal debt youll have plenty of extra cashflow to spend on YOU
and your lifestyle.
Example:
Home Value: $315,000
Home Loan: $200,000 @ $1275 per month
Personal Loan:$15,000 @ $379 per month
Car Loan: $15,000 @ $379 per month
Credit Card: $10,000 @ $500 per month
Total Debt: $240,000 @ $2532 per month
You decide to take out a debt consolidation loan :
Total Debt = $240,000
Repayment = $1430 per month
= Massive SAVING of over $1,100 per month in repayments ($13,200 per year)!
debt consolidation can significantly lower your overall interest repayments with a
cheaper rate. It can mean YOU saving hundreds of thousands of dollar$ over the life
of your home loan.
If you have any comments and questions, or would like us to look at your personal
situation for you, please leave a comment!