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Mortgage Broker Perth
Refinancing a home loan is often associated with chasing a lower interest rate, but for many homeowners in Perth it serves a much broader purpose. Refinancing can be used to improve cash flow, consolidate debt, change loan features or prepare for future property plans.
When you refinance, lenders reassess your entire financial position under current lending policies. This includes reviewing income, expenses, credit history, property value and serviceability. Lending rules may have changed significantly since your original loan was approved, which means refinancing is not always automatic.
A mortgage broker plays an important role by comparing multiple lenders, identifying suitable loan products and ensuring the refinance aligns with your longer-term goals. Focusing only on interest rates can lead to decisions that limit flexibility later.
LJ Mortgages & Finance assists homeowners across Perth and Australia to assess refinancing options strategically, helping clients understand the trade-offs involved before making changes.
Relevant Perth suburbs: Cottesloe, Peppermint Grove, Mosman Park, Dalkeith, Nedlands, Claremont, City Beach, Floreat, Swanbourne, Mount Claremont, Applecross, Ardross, Bicton, Attadale, East Fremantle, South Perth, Como, Manning, Salter Point, Waterford, Rossmoyne, Willetton, Booragoon, Mount Pleasant, Shelley, Iluka, Burns Beach, Scarborough, Trigg, Hillarys, Kinross, Joondalup, Currambine, Mindarie, Clarkson, Butler, Merriwa, Ridgewood, Jindalee, Alkimos
