Nicole Heales

  • Why Nicole?
  • How I help you
    • Take Control
    • Insurance
    • Superannuation
    • Debt Reduction and Mortgages
    • Wealth Creation
    • Retirement
  • Success stories
  • Education
    • Podcasts
    • Ebooks
    • Explainer Videos
  • News
  • Contact

How certain are you about your current mortgage?

How certain are you that your current mortgage is the best value for money in the current market?

If you are with one of the big banks I’m confident you may not have the best deal around.

If you’re paying more that 4% for the loan against your own home, now is a great time to have your mortgage reviewed.

The top rates are all well below 3.8 per cent these days so there’s no reason to be paying any more than that.  The big four banks’ owner occupier variable interest rates remain much higher than smaller lenders.

Yes, it’s a bit of paperwork, but switching to the cheapest rate borrowers with a $300,000 30-year loan, you could save about $75,000 in interest charges over the life of the loan.

I’d much rather see you enjoying those savings, than improve your lenders bottom line.

There are a few good reasons to think about home loan refinancing, including:

  • Taking advantage of lower interest rates
  • Accessing current home equity to finance other purchases/renovations
  • Consolidating debt

The only time to consider refinancing is when you are certain it’s in your best interest.

Remember to weigh up all the costs involved, and don’t forget to discuss your situation with your current lender first as they may be able to offer you a great solution that will save you time and money.

Spring is the perfect time to clean up your finances and review your home loan rate to ensure your home loan is still competitive in today’s market.

Refinancing can be a great financial move if it reduces your mortgage payment, shortens the term of your loan or helps you build equity more quickly.  When used carefully it can also be a valuable tool in getting your debt under control.

As a financial adviser and mortgage broker I can compare home loans and provide advice on debt reduction.   There may well be a more suitable option for you, which fits your financial situation and lifestyle better than your current loan.

Just as I encourage you to call your utilities and phone providers for better deals, you should be doing the same your lender.  If you can save thousands of dollars a year in interest, then that’s a job worth doing.

Time for us to have a chat, don’t you think?

Financial Planning, Mortgage Brokering, Uncategorized Finances, Financial Advice, Interest Rates, Loan, mortgage, mortgage brokering

Can’t find what you need?

Newsletter

Subscribe to my newsletter and get regular updates on ways to make the most of your finances.

sign me up

INDUSTRY AWARDS

  • Winner – Most Influential Financial Planner 2019
  • Power50 – 50 Most Influential Advisers in Australia 2019, 2018 and 2017
  • Finalist – Female Excellence in Advice 2018 and 2017
  • Finalist – Industry Thought Leader of the Year 2018
  • Finalist – Holistic Adviser of the year 2018
  • Winner – Most Inspirational Woman in Financial Planning 2017
  • Finalist – Financial Adviser of the Year 2017 and 2016

OUR LOCATION

15 Howard Street Beulah Park SA 5067
Mobile: 0417 167 024

Let’s Connect!

  • Email
  • Facebook
  • Google+
  • Instagram
  • LinkedIn
  • YouTube

What’s news for you

  • Relationship break-up entitlements when you’re in a de facto 
  • A guide to managing financial anxiety 
  • How to save for retirement in your 50s 
  • Paying your mortgage vs. adding to your super
  • Market outlook Q&A
  • How much super should I have at my age? 
  • Give your finances a shake out 
  • How much do I need to start investing? 

Adviser Profile | Financial Services Guide
Privacy Policy | Disclaimer

Nicole Heales ABN 64 871 906 280 is an Authorised Representative of Capstone Financial Planning Pty Ltd ABN 24 093 733 969. AFSL 223135 (Authorised Representative Number 312479).

Copyright © 2021 Designed by GWD - Developed by Weblicious Solutions