Refinance an Investment Loan

Simple Lending helps Australians access Investment Loan options from banks across Australia and refinance their Investment Loan

Rated 5 from 42 Reviews

Find a better loan in less than 5 minutes

Find a better loan

We help Australians refinance an Investment Loan

Refinancing an Investment Loan can be a strategic move for investors looking to improve their financial situation. At Simple Lending, our refinance specialists are dedicated to helping Australians navigate the complexities of refinancing. Whether you're aiming to access Investment Loan options from banks and lenders across Australia, or seeking better Home Loan options, we're here to assist you every step of the way.

One of the primary reasons for refinancing is to secure a lower interest rate. By accessing a lower interest rate, you can reduce Home Loan repayments and potentially save thousands over the life of your loan. Our refinance specialists can guide you through the application process, ensuring you provide all necessary documents, such as bank statements and credit history, to check eligibility for special lender policies. Whether you prefer a fixed interest rate or a variable interest rate, we help you find the option that best suits your needs.

Another significant benefit of refinancing is the ability to release equity in your investment property. This can be particularly advantageous if you're looking to expand your property portfolio. By releasing equity, you can free up funds to buy the next investment property, thereby increasing your assets and improving the yield of your property portfolio. Simple Lending offers access to banks and lenders nationwide, giving you a broad range of options to choose from.

Timing can also play a crucial role in your decision to refinance. For instance, if your fixed rate period is ending, it might be an opportune moment to explore new Investment Loan options. Refinancing at this stage can help you lock in a new rate that better reflects current market conditions. Additionally, you might want to change your loan term to better align with your financial goals. Whether you're looking to shorten your loan term to pay off your mortgage faster or extend it to reduce monthly repayments, our refinance specialists can help tailor a solution that fits your unique situation.

The process of refinancing might seem daunting, but with Simple Lending's streamlined Investment Loan refinance process, it doesn't have to be. Our team works diligently to simplify each step, from the initial consultation to the final approval. We ensure that all elements of the application process are handled efficiently, allowing you to focus on what matters most – making informed financial decisions.

Refinancing an Investment Loan offers a wealth of opportunities for Australian investors. By working with Simple Lending, you gain access to a network of banks and lenders across Australia, ensuring you find the best possible terms for your financial situation. Whether you're looking to reduce Home Loan repayments, release equity, or secure a better interest rate, our refinance specialists are here to help.

Take the next step in improving the yield of your property portfolio today. Contact Simple Lending to explore your refinancing options and start benefiting from our expertise and extensive network.

Compare your current Investment Loan in less than 5 minutes.

We help Australians access thousands of Investment Loan options from banks across Australia. Chat to our Finance & Mortgage Brokers and start your refinancing journey.

Interest rates as low as:

5.79%

Headline Rate

5.82%

Comparison Rate

Let's explore scenarios that lead to you refinancing your Investment Loan

Refinancing an Investment Loan

Your fixed-rate period is coming to an end

When your fixed-rate period is coming to an end, it can be a pivotal moment for your investment loan. At Simple Lending, we understand the importance of acting promptly at this stage. A fixed-rate mortgage offers the certainty of stable repayments, which can be beneficial for budgeting. However, once this period ends, your loan may revert to a variable rate, which could mean higher repayments and financial uncertainty. We can help you explore the best options available, whether it’s locking in another fixed-rate period or transitioning to a more favourable variable rate loan. Our goal is to ensure you continue to benefit from competitive rates and terms that suit your financial strategy.

You want to use the equity in your property

Using the equity in your property can be a smart way to further your investment goals. Equity represents the difference between the current value of your property and the outstanding loan balance. At Simple Lending, we can assist you in unlocking this equity, which can be used for various purposes such as purchasing another investment property, renovating your current property to increase its value, or consolidating debts for better financial management. Our team will guide you through the process of refinancing to tap into this valuable resource, ensuring that you maximise the benefits while maintaining a manageable repayment structure.

You want to adjust your loan term

Adjusting your loan term can significantly impact your financial planning and cash flow. Whether you wish to extend your loan term to reduce monthly repayments or shorten it to pay off your mortgage faster, Simple Lending can provide tailored refinancing solutions. Extending your loan term may lower your monthly payments, offering immediate financial relief but potentially increasing the total interest paid over the life of the loan. Conversely, shortening your loan term can lead to higher monthly repayments but will save you money on interest in the long run. We will work with you to understand your financial objectives and help you choose a loan term that aligns with your investment strategy.

You need better loan features

Sometimes, refinancing an investment loan is driven by the need for better loan features. At Simple Lending, we recognise that every investor has unique requirements. You might be looking for features such as an offset account to reduce interest payments, the flexibility of making extra repayments without penalty, or the convenience of a redraw facility. By refinancing, you can access more advantageous features that weren’t available with your original loan. Our experts will assess your current and future needs and recommend products that offer the flexibility and benefits necessary to optimise your investment returns.

You are seeking lower interest rates

Securing a lower interest rate is one of the most common reasons for refinancing an investment loan. Interest rates have a direct impact on your monthly repayments and long-term financial obligations. At Simple Lending, we stay abreast of market trends and lender offerings to ensure we can provide our clients with competitive rates. By refinancing, you may be able to reduce your interest rate, thereby lowering your monthly payments and saving money over the life of the loan. Our team will compare various lenders and products to find the best rate available, helping you maintain healthy cash flow and maximise your investment returns.

You want to switch lenders

Switching lenders can sometimes be beneficial if your current lender isn’t meeting your needs or offering competitive terms. At Simple Lending, we can facilitate this transition smoothly and efficiently. Reasons for switching lenders may include better customer service, more attractive loan features, or lower fees and charges. We will conduct a thorough analysis of various lenders in the market to identify those that align best with your financial goals and preferences. Whether you’re looking for enhanced customer support or more favourable terms, our refinancing solutions are designed to ensure you receive the best possible deal for your investment loan.

The Investment Loan Refinancing Process

Simple Lending

Initial Appointment

Start by having a discussion with one of our qualified Finance and Mortgage Brokers. We will take the time to understand your current Investment loan situation and discuss refinancing options available from banks and lenders across Australia. We'll guide you through the next steps of the refinancing application process, ensuring you have access Investment Loan options and the most competitive refinance interest rates.

Fact-Finding

We will work closely with you to gain a detailed understanding of your financial situation, including your current loan terms, interest rates, and credit history. By assessing your financials, assets, and bank statements, we'll ensure you qualify for refinancing. We will also check eligibility for special lender policies that might benefit you.

Pre-Approval

Once you receive pre-approval for the refinancing, you can move forward with confidence. We will outline the new loan amount, interest rates (both variable and fixed), and any potential interest rate discounts. Whether you are looking to reduce loan repayments, consolidate debts, or change your Investment Loan term, we ensure you access loan options from banks and lenders nationwide.

Settlement

During the settlement process, your existing Investmentloan will be paid off, and your new loan will be drawn down. We will assist you in understanding all associated costs, including any fees or charges related to the refinancing.

Recent Reviews for our Investment Finance & Mortgage Brokers at Simple Lending

VV

Venkat V.S

This is the second house they've helped me settle, and I couldn't be more happier with their service. They are highly professional while also being friendly and approachable. Their communication and advice are always clear, which I've always appreciated. Most importantly, they're always available to answer any questions. Special shout-out to Carl Elsass, the guy’s basically a wizard when it comes to finding solutions that actually works for you. If you're considering new loans or refinancing, I highly recommend reaching out to them.

E

Ellie

Nick has been amazing! He successfully got me my home loan. He is professional and friendly to deal with. See you for the next property!

OD

Ornella D

Nick and his team were outstanding! He listened carefully and provided the product we needed. We were guided every step of the process and communication was always swift and professional. Thank you so much for providing us with a better deal and also some cashback! A *

Frequently Asked Questions

Can you help First Home Buyers?

We love helping First Home Buyers! We're experts at the entire process and can help you get the right Home Loan. We're also across the various schemes to help First Home Buyers such as the First Home Owners Grant and the various stamp duty exemptions available.

Why should I use a Mortgage Broker?

Mortgage Brokers are there to help you find the right loan whether it be from the major banks, smaller lenders or other sources. We have a broad range of products (more than any single lender can offer) which means we can do all the legwork to find the right loan for you.

Can you only help with Home Loans?

We can help with Home and Investment Loans, Construction Loans, Car Loans, Personal Loans and much more. If you're looking to borrow to buy something, we can probably help.

Are your mortgage brokers licensed and accredited?

All of our Mortgage Brokers are accredited and members of the Mortgage and Finance Association of Australia. They are extremely professional and provide exceptional service across a range of lending options.

What kind of interest rates can you offer?

We take look at a wide range of products available from Banks, Credit Unions & other lenders across the country. This means we can search thousands of products and make sure we're always recommending the best Home Loans for our clients.

Can you help with refinancing an existing Mortgage?

Of course! We believe that we can find the best interest rate for you to refinance to, whether it's a Home Loan or Investment Loan.

Ready to chat to our Finance & Mortgage Brokers about refinancing your Investment Loan?