Speak with us to see why we are a trusted finance partner to hundreds of customers across Melbourne. We provide professional, expert and independent mortgage advice that could save you THOUSANDS of dollars and reduce the years off your home loan. With new loan products coming up all the time, Golden Harvest Finance keep up to date with every new product, news and information designed to help our customers save money.

The following information below are things you should consider when you are thinking of mortgage refinancing

When you SHOULD refinance:

  • Your current lender isn’t competitive with other available options
  • Home renovations
  • Reduce the monthly loan repayments by consolidating other loans, debts and/or credit cards
  • Free up cash for personal use
  • Switching to a fixed rate

When you shouldn’t consider refinancing your mortgage:

  • If you are planning on selling the property
  • Your break costs (costs of getting out of your existing loan) are high
  • If your loan balance is low and you are not considering re-drawing on the equity