We’re here to make the process of refinancing your home loan as stress-free and straightforward for you. So let us show how we can help!

Book your free appointment with the Team at Auspak today!

The first step to refinancing is to have a detailed with your home loan specialist at Auspak. Your first meeting — over the phone, zoom call, or we can arrange a time for you to come into our office.

During this meeting, your Auspak home specialist will first take the time to get to know you and understand your property goals. To help you choose the right refinancing solution, your finance specialist will show you how much you may be able to borrow and what your repayments might be.

Knowing your borrowing capacity

To understand your borrowing capacity, you first need to know how much you can afford to repay each month.

To determine how much you can borrow, lenders will consider:

  • Your income
  • Your repayment record — how you’ve managed your past financial commitments, including your current home loan repayments
  • Other financial commitments — these may include personal loans, credit and store cards, car repayments, hire purchase agreements
  • Your living costs — including but not limited to household bills, council rates, strata fees, transport and petrol, school fees, entertainment, insurance