1. “What rates can you offer for a no-service cost refinance?”
If you’re like most borrowers who like to shop around and review your existing mortgages frequently, you might be interested in a “no-service cost” refinance.
Lenders often advertise their lowest possible rates, whilst they might look competitive, they actually might not be suitable for the specific type of loan you want. Our tailored but free refinance services will ensure you are quoted with most competitive and achievable rates based on your specific refinance goal and situation.
2. “What fees do you charge? Do you charge commission or lender fees?”
Just like when you got your original mortgage, refinancing will entail fees. Some are mandatory and will be similar across all lenders such as government and third-party charges. On the other hand, depending on the lender, fees like application, valuation or settlement fees are charged by lenders. These fees can add a considerable amount to your closing costs.
Our researches and analysis are on a case-by-case basis, which ensure you will pay less establishment and ongoing cost and also achieve your specific desired financial goals with specific lenders.
Best of all, at Suttie Financial Group we do not charge any commission or service fees.
3. “What mortgage discounts am I eligible for?”
You may think affordable lending programs and discounts are just for first-time home buyers. But discounts are often available to experienced homebuyers and refinancers – many lenders just don’t have the incentive to check your eligibility for these programs and pass the savings on to you.
4. “Do you have a price match program?”
Suttie Financial Group offers a competitive price match program and we ensure you receive the best price in the current market. We offer an interest rate based on the loan amount and term. A loan with a lower balance or a lower interest rate will make for a smaller monthly payment. If you’re not satisfied with your interest rate of the existing mortgage, speak to our loan manager to see what deals are available depending on your situation. We offer a free consultation and we make sure to assist your loan process from application to settlement.
5. “What’s my borrowing capacity and how can you help me achieve my long-term goals?”
Suttie Financial Group provides advice on your serviceability and borrowing capacity that matches your current financial position and long-term financial goals including your retirement plans.
We can also advise you on your investment loans in relation to negative gearing and how you can maximise your tax benefits.
