Fixed Rates Expiry

Are your fixed rates expiry coming up for review? 

Get your household finance in order prior to the fixed rate expiry date.

Reach out to your lender two months before the expiry date so you can budget moving forward with the new repayment change.

Reach out to a broker if your lender can’t offer you a better rate moving forward.

A broker has access to many lenders that may benefit your current situation. We understand rates, we can guide you in the right directions even with your current lender.

For a finance broker, it could be as simple as contacting the bank on your behalf and asking for a better rate, we have access to all the lenders rates, charges, offers that may advance your savings and work in your favour. We compare the rates and repayments and can move you to a better loan with the same lender. We can even seek another lender that is better suited to your situation.

If you can service the loan, which means ensuring you can cover the costs of the new rates with your income. It’s as simple as a few calculations that can make a difference.

Firstly, Income- what is your income?

Secondly, Expenses- what is your outgoings?

Thirdly, can you afford to comfortable make the new repayments with the increased rates after the low fixed rate expiries?

If so, we can take care of all the work on your behalf, saving you time, money, and stress.

We explain the process and procedures to you, so you understand your financial position moving forward with the lender/banks including rates, repayments, loan structure and overall costs. Including any savings in the short and long term.

We ensure your situation is advanced moving forward after your fixed expiry date.

Please reach out to us, we can offer you guidance, so you make the changes required prior to fixed rate expiration.

Process: Call our office or make an appointment via our link https://mortgagepass.com.au/#contact

We discuss your current financial situation, goals, objectives and how to achieve a better outcome.

We ask for documentation to confirm, employment-income, expenses-bank statements, loans, assets, liabilities.

We discuss the lenders best suited to achieving your goals meeting the policy requirements to apply for the finance. Ensuring you understand prior to moving forward.

Once we get the approval, we guide you every step of the way till settlement, always working in advance with documents required.

We support you moving forward with your future financial goals till the life of the loan.  

Banks we partner with on your behalf when your fixed rates expire.

Agility Capital ANZ Auswide Bank

Bank Of Melbourne Bank SA Bankwest Bluestone BOQ

Firstmac 

Heritage BAnk

La Trobe Financial Liberty

Macquarie MKM Capital-Money Place

Mystate Bank

NAB Now Finance 

Pepper

Shift St. George Suncorp

Thinktank

Westpac