INTEREST RATES

Tony Gray from Complete Finance says, “DON’T PANIC. The road ahead is going to be okay.”

As the owner of Sunshine Coast’s Complete Finance, Tony is a leading expert in finance. He has been in the industry for 25 years and is here to help give you peace of mind by assisting you to find the best possible solution for your home loan.

Tony says that while interest rates have gone through the roof over the last year, he believes that not panicking is the best way to get on top of your mortgage.

Tony was considering offering an entry to every person that refinances their home through Complete Finance, the chance to win a $200 voucher to a prestige restaurant here on the Sunshine Coast, but the truth is that if you contact Tony about your mortgage, you will more than likely be able to buy yourself as many of those prestige lunches as you want, anytime you want.

Tony is passionate about finding a way to save you money on your mortgage so that you can spend more of your well-earned dollars on the things you love, like those prestige restaurant meals for example if that’s your thing, or a holiday, some new furniture, a swimming pool, or whatever it is that you would prefer to spend your hard earned money on.

The truth is that you owe it to yourself to at least have a look to see if you are on the best deal you can be.

You see, Tony has over 25 years’ experience in dealing with all types of mortgages, no matter how complicated. In fact, he enjoys the challenge of the complicated deals or searching for the best deal for you to help you save.

A broker is a seriously valuable resource if you have a current mortgage or are wishing to purchase a home.

There are several reasons why you may want to consider contacting Tony, including:

His access to a wide range of loan options:

Tony works with multiple lenders, giving you access to a wider range of loan options than you would have if you were to work with a single lender. This allows you to find a mortgage that fits your specific needs and financial situation, rather than having to settle for a loan that may not be the best fit.

His expert guidance

Tony provides expert guidance throughout the loan process. He will help you understand the different types of loans available, the terms and conditions of each loan, and the pros and cons of each option. He can also help you navigate the often-complex process of applying for a mortgage, ensuring that you have all the necessary documentation and meet all of the requirements.

He will save you time

Applying for a mortgage can be time-consuming and confusing, especially if you are new to the process. Tony can help streamline the process and make it more efficient, saving you time and reducing the stress of the home-buying process.

He will ensure you get a better rate

Because mortgage brokers work with multiple lenders, they have the ability to negotiate better interest rates and loan terms on your behalf. This can result in significant savings over the life of your loan.

He can help you refinance

Refinancing your home loan is a great way to potentially save money on your monthly mortgage payments and overall interest payments on your loan. Here are some of the main reasons why you might consider refinancing:

Lower interest rate

If interest rates have dropped since you took out your original mortgage, refinancing to a lower rate could reduce your monthly payments and overall interest costs.

Shorten the loan term

Refinancing to a shorter loan term, such as 15 years instead of 30 years, can significantly lower your interest costs over the life of the loan. However, it will also increase your monthly payments.

Change the loan type

If you have an variable mortgage rate, refinancing to a fixed-rate loan can provide stability and predictability in your monthly payments.

Consolidate debt

If you have high-interest debt, such as credit card debt, refinancing to a cash-out refinance loan can provide you with the funds to pay off that debt and potentially lower your overall interest costs.

Improve credit score

Refinancing to a lower interest rate can help you pay off your mortgage faster, which in turn can help improve your credit score over time.

Tap into equity

If your home has increased in value, you may be able to refinance to a larger loan and tap into that equity for home improvements, education expenses, or other major purchases.

It's important to keep in mind that refinancing does come with costs, such as closing costs, appraisal fees, and other miscellaneous expenses. Be sure to carefully consider all of the costs involved before deciding to refinance. Additionally, it's also a good idea to compare rates and terms from multiple lenders to find the best deal for your specific financial situation.

Overall, refinancing can be a great way to improve your financial position, but it's important to carefully consider all of the factors involved and make an informed decision.

And the great thing about contacting Tony is that there is absolutely no cost to you

Mortgage brokers don’t charge a fee for their services. Instead, they are paid a commission by the lender for securing a loan. This means that you can take advantage of their expertise and resources at no cost to you.

In conclusion, Tony and the team at Complete Finance can provide valuable assistance in finding the best mortgage for your needs, guiding you through the loan process or re-financing process, and helping you save time and money.

If you are in the market for a new loan, forget about the free lunch, get as many lunches as you want by saving on your home loan. It is definitely worth considering working with Tony and his team to ensure you are not spending one cent more than you need to on your home loan.

Go to www.completefinance.com.au to download their My Mortgage Mentor top tips to save on your mortgage. a www.completefinance.com.au