Smarter Structures for Your Financial Goals
Over time, your loan may no longer suit your circumstances. Refinancing allows you to review your current loan, explore new options, and adjust repayments or features to better align with your financial goals. At AJP Finance, we help clients across Melbourne compare refinancing options and understand what each includes, so you can make an informed decision with confidence.
📞 Call 0412 018 732 or 📧 j.singh@ajpfinance.com.au for a no-obligation consultation.
Home Loan Refinancing
Switching your existing mortgage to a new lender or product may provide access to lower repayments, improved features, or a structure that better suits your needs. We guide you through comparison and lender requirements.
Investment Loan Refinancing
For property investors, refinancing can be used to adjust loan terms, restructure debt, or release equity for further investments. We explain how lenders assess rental income and property portfolios.
Debt Consolidation Through Refinance
Refinancing can sometimes be used to consolidate multiple debts into your mortgage. This option can simplify repayments, though it’s important to consider the long-term costs. We provide clear explanations of risks and benefits.
Helping a Family Reduce Repayments and Free Up Cash Flow
A Melbourne family had been with the same lender for more than 10 years. Their mortgage no longer suited their circumstances, and they wanted more flexibility. We helped them explore refinancing options, explained the differences between fixed and variable structures, and guided them through an application with a new lender. The result was lower monthly repayments and greater control over their finances.
How Can Our Team Help You to Reach Your Goals
At AJP Finance, we make refinancing simple by breaking it down into clear, manageable steps. Our focus is on helping you understand what’s possible, what lenders will consider, and what refinancing could mean for your financial future.
Consultation
We start with a conversation about your goals — whether it’s lowering repayments, accessing equity, or simplifying your loan structure. This helps us understand your priorities before comparing lenders.
Financial Review
Next, we assess your income, expenses, credit history, and current loan details. This allows us to identify whether refinancing is suitable and which lenders may be the right fit.
Compare and Explore Options
We present different refinance products, explaining repayment terms, fixed vs variable options, and potential benefits and risks. Our aim is to ensure you feel informed before making a decision.
Application & Support
Once you’ve chosen a refinance option, we assist with preparing and submitting the application. We handle communication with the lender and guide you through to settlement, keeping the process transparent and stress-free.
