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Refinancing

Life is constantly changing, so it is important your home loan fits in with your life as it is now.

 

There are many valid reasons to refinance a home loan:


• Improve your interest rate


• Decrease your monthly expense by increasing the term of the loan


• Releasing equity for further property acquisitions


• To receive a substantial discount due to your loan amount


• To attain a more suitable product


• To implement a wealth creation strategy


• To allow for SMSF borrowing - Superannuation funds are in most cases the best vehicle to buy an Investment property. Structuring your loan correctly is important.


• To provide surplus funds for renovating, holiday, or simply borrowing for a car at a lower interest rate than a personal loan


• To consolidate debt

 

A 0.25% saving over the life of a home loan could be the equivalent to the cost of a new car. Small differences in loans such as the ability to make extra repayments, marginally lower interest rates, or offset accounts can add up to huge differences over the life of a loan.


We can tailor a loan to suit your individual requirements. We will give you great advice on how to find your perfect loan; including any exit fees you have to pay on your existing loan.


A Birchcorp representative can show you how to substantially reduce your loan repayments and how to strengthen your financial position in our free financial health check.


Property in your SMSF - Beware

SMSF and property investments: This is NOT for everyone. Although many property spruikers stand before you and sell the concept that everyone must buy a property in your SMSF. Birchcorp is here to say that there is much time and effort required for an investor to decide to embark on this complicated arrangement. Although Birchcorp is happy to say the process is as easy as 1,2,3... it is not a process that should be taken lightly. We are professionals and have processed these SMSF establishments and ongoing services many times. A complacent trustee can easily com... Read More

Insurance

Birchcorp can show you how you may purchase your Insurance with no out of pocket expense.

Unlike other Financial Planning firms, Birchcorp is happy to show you how and why you can decrease your Insurance coverage... Read More

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Birchcorp Pty Ltd ABN 56 132 775 654 is a Corporate Authorised Representative (No. 339299)
of Dover Financial Advisers Pty Ltd ABN 87 112 139321, which is the holder of an AFSL No. 307248. Birchcorp Pty Ltd is an Accredited Member of the FBAA with an ACL No. 376718.