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Helping Tradies refinance an Investment Loan

Tradie Home Loans helps Tradies access Investment Loan options from banks across Australia and refinance their Investment Loan

Rated 5 from 49 Reviews

Find a better loan in less than 5 minutes

Find a better loan

We help Tradies refinance an Investment Loan

Are you a tradie looking to make the most of your investment properties? At Tradie Home Loans, we specialise in helping you refinance an Investment Loan to suit your financial situation. Whether you’re an electrician, plumber, carpenter, plasterer, or bricklayer, our team of refinance specialists is here to guide you through accessing investment loan options from banks and lenders across Australia. We understand the unique needs of tradespeople and aim to provide tailored solutions to improve the yield of your property portfolio.

Refinancing your investment loan can open up numerous opportunities. One of the main advantages is accessing a lower interest rate. If your fixed rate period is ending, it might be the perfect time to switch to a variable interest rate or find a better home loan option. Our refinance specialists will help you evaluate your current loan and explore refinance interest rates that match your goals, potentially reducing your home loan repayments and saving you money in the long run.

Releasing equity in your investment property is another compelling reason to consider refinancing. By unlocking the value tied up in your property, you can use the released equity to buy the next investment property and expand your property portfolio. This strategy can help you grow your assets and increase your rental income, providing a solid foundation for future financial security. At Tradie Home Loans, we help you navigate the complexities of releasing equity and ensure a streamlined investment loan refinance process.

Changing your loan term is also a significant benefit of refinancing. Whether you want to shorten your loan term to pay off your debt faster or extend it to lower your monthly repayments, our team will help you find the best option. We’ll review your financial situation and credit history, ensuring that the new terms align with your long-term objectives. Additionally, we assist with gathering necessary documents like bank statements and guiding you through the application process.

Our extensive access to banks and lenders nationwide means we can check eligibility for special lender policies that might be advantageous for tradies. This can include exclusive offers on interest rates or more flexible lending criteria tailored to your profession. With our expertise, you can rest assured that you're getting the best possible deal on your investment loan.

To summarise, refinancing an investment loan with Tradie Home Loans offers tradies numerous benefits. From accessing lower interest rates and releasing equity to changing loan terms and checking eligibility for special lender policies, our refinance specialists are dedicated to improving the yield of your property portfolio. Contact us today to explore better home loan options and take the next step in your investment journey.

Compare your current Investment Loan in less than 5 minutes.

We help Tradies 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

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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 is an ideal time to reassess your financial situation. At Tradie Home Loans, we understand that tradies like electricians, plumbers, and carpenters have unique financial needs. As your fixed-rate period concludes, you may find that your current loan no longer suits your goals. Refinancing can offer you a new fixed or variable rate that better aligns with your current circumstances. Whether you are looking to lock in another fixed rate for stability or prefer the flexibility of a variable rate, our experts can guide you through the process. This ensures that you are not left with a higher interest rate, saving you money in the long run.

You want to use the equity in your property

Using the equity in your property can be a powerful tool for expanding your investment portfolio or funding necessary renovations. For tradies, leveraging equity might mean buying a new investment property or upgrading existing ones to increase rental income. Tradie Home Loans specialises in helping you unlock this potential. By refinancing your investment loan, you can access the equity built up in your property. This could provide the funds needed for new business ventures or personal projects. Our team will work with you to determine how much equity you can access and design a refinancing plan that maximises your financial benefits without overextending your resources.

You want to adjust your loan term

Adjusting your loan term can offer significant advantages depending on your financial goals. Whether you are a bricklayer nearing retirement or a young plasterer looking to reduce monthly repayments, refinancing allows you to modify the length of your loan. By extending the loan term, you can lower your monthly repayments, easing cash flow and financial stress. Conversely, shortening the loan term can help you pay off your mortgage faster and save on interest over time. Tradie Home Loans offers tailored advice to help you determine the best loan term adjustments for your specific situation, ensuring that your mortgage aligns with both your current and future financial objectives.

You want better loan features

Sometimes, the loan features you initially opted for may no longer serve your needs as effectively as they once did. Features such as offset accounts, redraw facilities, or flexible repayment options can significantly impact how well your loan fits into your financial strategy. By refinancing, you can secure better loan features that offer more convenience and savings opportunities. Tradie Home Loans can assist you in identifying which features are most beneficial for tradies like yourself. We provide personalised solutions that enhance your financial flexibility and help you make the most of your mortgage.

You want to consolidate debt

Debt consolidation is another compelling reason to consider refinancing an investment loan. Many tradies find themselves juggling multiple debts, including personal loans, credit cards, and business expenses. Refinancing allows you to combine these debts into one manageable mortgage repayment. This can simplify your financial life and often result in a lower overall interest rate, reducing the total amount paid over time. Tradie Home Loans will assess your existing debts and devise a refinancing strategy that consolidates them effectively, ensuring that you regain control of your finances while focusing on growing your trade business.

You need a more competitive interest rate

Securing a competitive interest rate is crucial for managing an investment loan effectively. As market conditions change, better interest rates may become available that could significantly decrease your monthly payments and overall loan cost. Tradie Home Loans stays updated with the latest market trends to offer you competitive rates tailored to your needs as a tradie. By refinancing, you could take advantage of these improved rates, ensuring that your investment loan remains as cost-effective as possible. Our expert brokers will guide you through the process of securing a new rate that aligns with your financial ambitions and helps maximise your investments.

You want to switch lenders

Switching lenders can be beneficial if you're dissatisfied with your current lender's service or offerings. Different lenders provide varied benefits, such as lower fees or more favourable loan terms. Tradie Home Loans can help facilitate this transition smoothly. We compare multiple lenders to find one that better suits your needs and goals as a tradie. Whether you're seeking better customer service or more advantageous loan conditions, our team ensures that switching lenders enhances your financial strategy without unnecessary hassle.

The Investment Loan Refinancing Process for Tradies

Tradie Home Loans

Initial Appointment

Start by having a discussion with one of our qualified Finance & 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 Tradie Home Loans

SW

Sam Wicks

My wife and I had a very positive experience with Carl, who was helping us organise our first home loan. Carl was responsive and managed to secure us a very competitive rate in a limited timeframe. We are truly thankful for his assistance, and would definitely recommend!

SB

Samantha Bartlett

Working with Nick was so fabulous! He’s very experienced and a pleasure to work with and was always happy to go above and beyond to help. I recommend his services highly!

AN

Alexander Nicholls

Nick helped guide me through the entire process of purchasing an investment property. He was always available and quick to respond to any and all questions. Nick is also providing ongoing support after settlement to ensure we get the best value for money possible. I would highly recommend Nick to and prospective home buyer

Frequently Asked Questions

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.

Do they need to run a credit check to refinance my Home Loan or Investment Loan?

When you decide to refinance your Home Loan or Investment Loan, your lender goes over the details you provide and also carries out a Credit Check. This helps them figure out how risky it might be to lend you money. You'll have to agree to the Credit Check when you apply to refinance. The details the lender gets can differ and rely on how much info the financial companies you deal with share. There's a new law that started in 2019, which means more stuff will show up in your Credit Report over time.

Can you refinance an Investment Loan?

Sure thing! Refinancing an investment loan is like adjusting your financial plan to make it work better for you. It means changing the terms of your loan to fit your current goals and what's happening in the market. By doing this, you might be able to get a lower interest rate, change how long you have to pay back the loan, or switch between fixed and variable rates. This can help you make more money from your investment property. At Tradie Home Loans, we're here to help all kinds of tradespeople, like builders, carpenters, painters, plumbers, electricians, plasterers, and others. Our team knows how to find the best refinancing options for you, so you can reduce your financial stress and get more out of your investments.

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.

Why should I use a Mortgage Broker?

Mortgage Brokers are there to help you find the right loan options for your needs. 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 Home Loan, Investment Loan, Construction Loan or Car Loan for you. We also offer more loan types, specialising in Self-Employed Loans so reach out to get started today!

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.

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

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Trustee for the O'Sullivan Family Trust ABN: 29 235 649 437, Credit Representative #482294 and is authorised under Australian Credit Licence 389328.

Disclaimer: This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances. Names & Locations of users have been changed to protect their privacy and are illustrative only.