{"id":5361,"date":"2023-12-14T09:25:14","date_gmt":"2023-12-13T23:25:14","guid":{"rendered":"https:\/\/financialplus.com.au\/?p=5361"},"modified":"2023-12-14T09:25:14","modified_gmt":"2023-12-13T23:25:14","slug":"ho-ho-ho-the-smart-move-that-has-1-in-10-borrowers-feeling-jolly","status":"publish","type":"post","link":"https:\/\/financialplus.com.au\/ho-ho-ho-the-smart-move-that-has-1-in-10-borrowers-feeling-jolly\/","title":{"rendered":"Ho ho ho! The smart move that has 1 in 10 borrowers feeling jolly"},"content":{"rendered":"

\"\"Home owners have been battling rising interest rates for over a year and a half now. But a new report reveals the important step some savvy borrowers are taking to rein in higher rates and swap \u201coh no!\u201d for \u201cho, ho, ho!\u201d.<\/strong><\/p>\n

It\u2019s no secret that refinancing has the potential to slice a big chunk off your monthly loan repayments.<\/p>\n

And according to\u00a0Canstar<\/a>, 1 in 10 mortgage holders chased a better deal in 2023 and switched to a new lender to save on their repayments.<\/p>\n

But what\u2019s surprising to us is that 9 in 10 didn\u2019t.<\/p>\n

So what\u2019s holding them back? Let\u2019s dive in.<\/p>\n

Some score a discount, others don\u2019t<\/h3>\n

To be fair, many home owners have been on the front foot this year.<\/p>\n

According to Canstar, 1 in 5 home owners with a mortgage have negotiated a better rate with their current lender \u2013 which is great news.<\/p>\n

Having a chat with your bank can be a fuss-free way to save, especially if they come to the party with a rate discount.<\/p>\n

A further 14% of home owners say they have tried to switch to another lender but weren\u2019t able to do so because they didn\u2019t have enough equity, or didn\u2019t meet the new lender\u2019s requirements.<\/p>\n

That\u2019s why it pays to speak with us before talking to a lender.<\/p>\n

We have in-depth knowledge of different banks\u2019 lending criteria, so we know which lenders are likely to give you the green light for a better deal.<\/p>\n

Too many borrowers wearing higher rates<\/h3>\n

The thing is, there are plenty of home owners who have just copped rising rates without taking action.<\/p>\n

As Canstar puts it: \u201cToo many borrowers remain complacent even in the face of rising repayment costs\u201d.<\/p>\n

The scary thing is, half (49%) of Australia\u2019s home owners with a mortgage don\u2019t intend to change lenders at all.<\/p>\n

Some believe they have a good interest rate. But as many as 1 in 5 think refinancing is too hard.<\/p>\n

Busting the myths<\/h3>\n

Let\u2019s sort some facts from fiction.<\/p>\n

First up, it\u2019s great if you think you are paying a competitive interest rate. The key is to know for sure.<\/p>\n

Right now,\u00a0variable home loan rates<\/a>\u00a0are anywhere from 5.69% (very rare) through to 9%-plus.<\/p>\n

With that sort of range, there\u2019s plenty of scope to save, especially as lenders often make lower rates available to new customers.<\/p>\n

There is an easy way to know if you\u2019ve got a good rate: pick up the phone and call us.<\/p>\n

And if you\u2019re worried that refinancing is hard work, rest assured that we\u2019ll do the bulk of the leg work for you.<\/p>\n

We\u2019ll sort through hundreds of home loan options to find the loan that\u2019s right for your needs. We\u2019ll also make the paperwork easy, liaise with your old lender, and your new bank. Simple.<\/p>\n

So if you\u2019re keen to find out if you can do better with your home loan these summer holidays, give us a call and we\u2019ll help you put your best foot forward going into 2024.<\/p>\n

Disclaimer:<\/strong>\u00a0The content of this article is general in nature and is presented for informative purposes. It is not intended to constitute tax or financial advice, whether general or personal nor is it intended to imply any recommendation or opinion about a financial product. It does not take into consideration your personal situation and may not be relevant to circumstances. Before taking any action, consider your own particular circumstances and seek professional advice. This content is protected by copyright laws and various other intellectual property laws. It is not to be modified, reproduced or republished without prior written consent.<\/p>\n","protected":false},"excerpt":{"rendered":"

Home owners have been battling rising interest rates for over a year and a half now. But a new report reveals the important step some savvy borrowers are taking to rein in higher rates and swap \u201coh no!\u201d for \u201cho, ho, ho!\u201d. It\u2019s no secret that refinancing has the potential to slice a big chunk […]<\/p>\n","protected":false},"author":23,"featured_media":5362,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"nf_dc_page":"","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[110],"tags":[],"class_list":{"0":"post-5361","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-home-loans","8":"entry"},"yoast_head":"\nHo ho ho! 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