Refinancing to release equity

Release Equity Through Refinancing with Australia's Leading Mortgage Brokers - AXTON Finance Melbourne

Rated 5 from 479 Reviews

Refinancing to Release Equity - Unlock Your Property's Hidden Value

Refinancing to release equity represents one of the most strategic financial decisions property owners across Australia can make to leverage their existing investment. As your trusted Finance & Mortgage Broker, AXTON Finance specialises in helping Melbourne residents and Australians nationwide unlock the hidden value in their properties through sophisticated refinancing solutions. Our experienced Mortgage Brokers understand that your property's equity is a powerful financial tool that can open doors to new investment opportunities, debt consolidation, or major life purchases. With access to loan options from banks and lenders across Australia, we ensure you can tap into your property's accumulated value while securing competitive refinance interest rates that align with your financial situation.

The process of refinancing to release equity involves replacing your current home loan with a new loan that exceeds your existing loan amount, allowing you to access the difference in cash. AXTON Finance provides a streamlined application process that simplifies this complex financial transaction, ensuring you understand every aspect of releasing equity in your property. Our team conducts a comprehensive home loan health check to evaluate your current financial situation, reviewing your bank statements and assessing whether you can potentially access a better interest rate. We check eligibility for special lender policies that might benefit your circumstances, whether you're approaching a fixed rate period ending or seeking to change your loan term. This thorough evaluation ensures that refinancing to release equity becomes a strategic advantage rather than a financial burden.

One of the primary benefits of working with AXTON Finance for refinancing to release equity is our ability to access some of the best interest rates available in the Australian market. Our relationships with multiple lenders mean we can compare variable interest rate and fixed interest rate options to find the most suitable solution for your needs. Whether you're looking to consolidate debts, reduce loan repayments, or release equity to buy the next property, our Mortgage Brokers present you with better loan options that traditional single-lender approaches cannot match. The equity release process through refinancing allows you to maintain ownership of your property while accessing its accumulated value, providing flexibility that other financing methods simply cannot offer.

Refinancing to release equity serves multiple strategic purposes, from funding investment opportunities to managing existing financial obligations more effectively. Many of our Melbourne and Australian clients use this service to consolidate high-interest debts into their home loan, significantly reducing their overall interest burden and simplifying their financial management. Others leverage refinancing to release equity as a springboard for property investment, using their current property's value to secure deposits for additional real estate purchases. AXTON Finance ensures that whatever your motivation for accessing your property's equity, we structure the refinancing solution to maximise your financial advantage while maintaining sustainable repayment structures that protect your long-term financial health.

Choosing AXTON Finance as your Finance & Mortgage Broker for refinancing to release equity means partnering with professionals who prioritise your financial success above all else. Our comprehensive approach includes ongoing support throughout the application process, from initial consultation through settlement, ensuring you feel confident and informed at every stage. We understand that refinancing to release equity is more than a transaction - it's a strategic financial decision that can shape your future wealth-building opportunities. Our commitment to accessing lower interest rates, combined with our extensive network of lenders and personalised service approach, positions AXTON Finance as the best Mortgage Broker choice for Australians seeking to unlock their property's potential through strategic refinancing solutions.

How much could you save by refinancing to a better loan?

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Common Questions About Refinancing to Release Equity

How much equity can I release through refinancing?

The amount of equity you can access through refinancing to release equity typically depends on your property's current value, existing loan amount, and your financial situation. Most lenders allow borrowers to access up to 80% of their property's value, though some may offer higher ratios under special circumstances. AXTON Finance works with banks and lenders across Australia to find options that maximise your equity access while ensuring sustainable repayments. Our Mortgage Brokers conduct a thorough assessment of your bank statements and financial position to determine the optimal loan amount for your circumstances. To understand exactly how much equity you can release from your property, book a free consultation with our team for a personalised evaluation.

What interest rates are available for refinancing to release equity?

Refinance interest rates for equity release vary significantly depending on your financial situation, loan amount, and chosen lender policies. As experienced Mortgage Brokers, AXTON Finance provides access to some of the best interest rates available across Australia, including both variable interest rate and fixed interest rate options. Our relationships with multiple lenders mean we can compare rates and find potentially better interest rate solutions than you might access independently. The specific rate you'll qualify for depends on factors including your credit history, income, and the percentage of equity you're seeking to release. Contact AXTON Finance for a comprehensive home loan health check and current rate comparison tailored to your refinancing to release equity needs.

Can I use released equity to buy another property?

Using refinancing to release equity to buy the next property is a popular investment strategy among Australian property owners. This approach allows you to leverage your existing property's accumulated value as a deposit or partial funding for additional real estate purchases. AXTON Finance specialises in structuring these investment-focused refinancing solutions, ensuring you access better loan options that support your property portfolio expansion goals. Our Finance & Mortgage Broker team can help you understand the implications of using released equity for investment purposes, including tax considerations and cash flow management. The feasibility depends on your overall financial situation and the lenders' assessment criteria. Schedule a consultation with AXTON Finance to explore how refinancing to release equity can accelerate your property investment journey.

How long does the refinancing to release equity process take?

The timeframe for refinancing to release equity varies depending on your financial situation, chosen lender, and the complexity of your application. AXTON Finance provides a streamlined application process that typically takes between 4-8 weeks from initial application to settlement. Our experienced Mortgage Brokers work to expedite your application by ensuring all documentation is complete and accurate from the outset. Factors that can influence timing include property valuations, bank statement verification, and lender processing times. Some applications may be completed faster, particularly when your fixed rate period ending aligns with favourable market conditions. For a more precise timeline based on your specific refinancing to release equity requirements, contact AXTON Finance to discuss your situation with our professional team.

What costs are involved in refinancing to release equity?

Refinancing to release equity involves various costs that should be factored into your decision-making process. These typically include application fees, valuation costs, legal fees, and potentially discharge fees from your current lender. AXTON Finance provides transparent cost breakdowns during our initial consultation, ensuring you understand all expenses associated with your refinancing journey. Many lenders offer packages that reduce or waive certain fees, and our Mortgage Brokers negotiate on your behalf to minimise your overall costs. Some costs may be capitalised into your new loan amount, reducing upfront expenses while still providing access to your property's equity. The total cost varies based on your loan amount, chosen lender, and specific circumstances. Book a free consultation with AXTON Finance to receive a detailed cost estimate for your refinancing to release equity requirements.

Get help from our Mortgage Brokers

We are passionate about delivering reliable client outcome and not just a cookie-cutter service. With over 100 years of combined industry experience, you can trust the team at AXTON Finance.

Joyce Cheng - Mortgage Broker at AXTON Finance

After a distinguished career in private banking at Macquarie Bank, Joyce recognised the value she could provide to clients in a smaller business setting, serving a diverse range of individuals from emerging wealth and high net wealth backgrounds.

Joyce Cheng

Senior Mortgage Broker

Nicole Campbell - Mortgage Broker at AXTON Finance

With over 20 years of experience working in senior mortgage broking roles, Nicole's experience means she has expert knowledge in lending. Whether it be complex lending structures or first home buyers, Nicole's focus is always reliable client outcomes.

Nicole Campbell

Partner Mortgage Broker

Luke Rowland - Mortgage Broker at AXTON Finance

Driven by a desire to empower his clients with the knowledge, resources and service to deliver results, Luke has earned a reputation, shown in his stellar career trajectory for his exceptional proficiency across the lending spectrum.

Luke Rowland

Partner Mortgage Broker

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Our Reviews

We pride ourselves on being brokers you can actually trust, from the initial consultation through to annual reviews that we perform years after your settlement, our tailored services and relationship focus is built to last.

Need proof that we are one of Melbourne’s best mortgage brokerages? Don’t just take our word for it – we have hundreds of positive Google reviews from real clients so you can rest assured you’re making the right choice with choosing AXTON Finance.

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Rated 5 from 479 Reviews

Thoroughly professional from start to finish. Being new to the Australian house purchasing process, Nicole continually offered detailed guidance and made the whole process seamless. Highly recommend Axton Finance to others.

Mark Kaiser

Today

We used AXTON Finance to buy our new home. This involved refinancing 2 properties as well as arranging finance the for the new home. There were a lot of moving parts and AXTON Finance did it all, recommended loan strategies to minimise repayments and secured a better loan deal, 2% below what we were paying. For a non money person, I wouldn't have been able to do it on my own and they saved a ton of time, stress and running aeound in the process. Would recommend AXTON Finance and now they are assisting my mother with a downsizing loan strategy.

Ben Howie

2 days ago

Mortgage Broker ROCKSTAR! As a fist time user of the services of a mortgage broker, I found the guidance and the level of insight afforded by Melanie of the highest of quality and our engagements always exceed my expectations.

Mark Cocks

4 days ago

Very happy with the support Melanie gave us, she went up and above for us, we where a hard one as we had credit card debt, it it was a bit stressful, but Melanie did a wonderful job sorting our finances out.

Vicky Glendinning

5 days ago

We recently purchased an investment property and couldn’t be happier with the support we received from Nicole Campbell at AXTON Finance. From the very beginning, Nicole went above and beyond to make the process smooth, stress-free, and transparent. We're so grateful to have found Nicole! Nicole took the time to understand our goals, explained every step clearly, and was always available to answer our million questions. What really stood out was Nicole's proactive communication and genuine care in ensuring we secured the best loan structure and rate for our circumstances. Throughout the whole process, it was clear that Nicole cared about our goals and protecting our interests. Thanks to Nicole, our finance was approved ahead of schedule, and settlement went through without a hitch. We highly recommend Nicole to anyone looking for a dedicated, knowledgeable, and truly client-focused mortgage broker.

Eda Gul

5 days ago

I can’t recommend Joyce highly enough! From our very first conversation, she made the entire mortgage process simple and stress-free. She took the time to understand my situation, explained every option clearly, and went above and beyond to secure a fantastic rate. Communication was always prompt and professional — nothing was ever too much trouble. If you’re looking for a mortgage broker in Melbourne who genuinely cares about getting the best result for you, Joyce is the one to call.

Fraser Neale

This month

Amazing Mortgage Broker! I was very lucky to have Nicole Campbell on my side. Stayed true to her words and absolutely helpful! No question was ever stupid. Being a FHB I was unaware of certain processes and Nicole being very professional and experienced always assured me every step of the way. I had called a number of other mortgage brokers prior I settled with Nicole and definitely no regrets. Very hold your hand and walk you through the process which is hard to find now-days. Thank you again, Nicole!

Japheth B

This month

Highly recommended . Without sounding cliche, Adam did go above and beyond when refinancing our home loan. There was few bumps along the way, and he had clear communication with us the entire time and always returned calls and emails. I highly recommend Adam to anyone who is looking for a finance broker. Very reliable, thorough and easy to deal with.

Melissa M

This month

AXTON Finance - Melbourne's Best Mortgage Brokers

Frequently Asked Questions

How do rental income and tax benefits affect my investment loan application?

Investment properties offer unique advantages in terms of rental income considerations and tax benefits, but these vary based on your individual circumstances and the specific property. The tax implications can be complex and should be carefully considered as part of your overall investment strategy. Book a consultation to understand how these factors apply to your situation and investment goals.

Can I use equity in my existing home to buy an investment property?

Using existing property equity for investment purchases is a popular wealth-building strategy, but the approach varies depending on your financial position and goals. There are several structuring options available, each with different benefits and considerations. Our experts can assess your equity position and explain your options during a complimentary consultation.

How much can I borrow for a home loan?

Your borrowing capacity depends on various personal and financial factors. While general guidelines exist, your actual borrowing power is unique to your situation, income, and financial goals. The best way to understand your true borrowing capacity is through a personalised assessment. Contact us for a free consultation where we'll provide you with an accurate borrowing estimate tailored to your circumstances.

Can I refinance my existing home loan or investment loan to get a better rate?

Refinancing can offer significant benefits, but whether it's right for you depends on your current loan terms, financial situation, and future goals. Market conditions and available products change regularly, so it's worth having your loans reviewed. Contact us for a free loan review to see if refinancing could improve your financial position.

What deposit do I need for an investment property loan?

Deposit requirements for investment properties vary between lenders and depend on your overall financial profile. While there are general guidelines, your specific situation may open up different options or require alternative approaches. Let us assess your circumstances in a free consultation to determine the most suitable deposit strategy for your investment plans.

What documents do I need to apply for a home or investment loan?

Documentation requirements vary depending on your employment type, loan amount, and chosen lender. Rather than providing a generic list, we prefer to give you a personalized checklist based on your specific situation and loan type. During your free consultation, we'll outline exactly what documents you'll need and help streamline your application process.

What types of home loans does AXTON Finance offer?

We offer a comprehensive range of home loan solutions including owner-occupier loans, first home buyer packages, refinancing options, and specialised lending products. Every situation is unique, which is why we work with multiple lenders to find the right fit for your circumstances. Book a free consultation with our experienced brokers to discover which loan options best suit your needs and financial goals.

How long does the loan approval process take?

Processing timeframes can vary based on your situation, chosen lender, and current market conditions. While we work to expedite every application, each scenario is different. The best approach is to discuss your specific timeline needs during a consultation, where we can provide realistic expectations and work to meet your settlement requirements.

What is an investment property loan and how does it differ from a home loan?

Investment property loans are specialised financing solutions designed for rental properties. They have different requirements, benefits, and tax implications compared to standard home loans. The specifics can vary significantly based on your investment strategy and financial situation. Schedule a free consultation with our investment property specialists to understand how these loans work and whether they align with your investment goals.

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