Are you too loyal to your bank? Banks only offer the best interest rates to new customers. Chances are, If you’ve been with the same bank for a number of years, you’re paying a loyalty tax. On a $500,000 mortgage of 30 years, you could save more than $30,000 on interest over the life of the loan with a tweak to your interest rate of just 0.2%
Refinance Home Loan in Chatswood
Own property in Chatswood? If you haven’t reviewed your home loan in over two years, there’s a strong chance you’re paying a “loyalty tax” – the extra 0.5% to 1% banks quietly charge existing customers while offering better rates to new borrowers.
Whether you own near Chatswood Chase, along Victoria Avenue, or close to Chatswood Station, MXJ Finance helps local homeowners break free from overpaying. Our mortgage broker team brings over 10 years of lending experience, 40+ lender connections, and 125+ five-star reviews to your corner.
Here’s what our refinance home loan service in Chatswood includes:
- Free refinance review for Chatswood homeowners
- Compare your current rate against 40+ lenders
- Save $2,000-$8,000 annually on average
- Pay off your Chatswood mortgage 7-10 years faster
- Unlock equity for renovations or investment
- No obligation assessment
Get your free refinance review today.
Benefits of Loan Refinancing for Chatswood Homeowners
Stop Overpaying Your Current Lender
Banks profit when customers don’t review their loans. That loyalty tax costs Chatswood homeowners between $4,000 and $8,000 yearly on an $800,000 loan. Our refinance home loan Chatswood service compares your rate against 40+ lenders, securing better terms that put thousands back in your pocket annually.
Access Your Property’s Growth
Chatswood property values have risen significantly, particularly near the metro precinct and around The Concourse. If you’ve owned your home for several years, you’re likely sitting on substantial equity. Refinancing lets you access that growth for kitchen renovations, investment properties, or consolidating expensive debts – all while maintaining sustainable repayments.
Build Smarter Loan Structures
Frustrated with poor service or limited features? Loan refinancing in Chatswood gives you the chance to switch to lenders offering offset accounts, flexible repayments, and responsive support. Plus, we help structure your loan so you’re paying it off 7-10 years faster through strategic extra repayments and better features.
Take Advantage of Refinance Cash Back Offers in Chatswood
Many lenders provide cash back incentives for refinancing customers – sometimes $2,000 to $4,000, depending on your loan size. Refinance cash back offers in Chatswood can offset switching costs or go straight toward your mortgage, accelerating your payoff timeline.
How Refinancing Works for Chatswood Homeowners
- Free Assessment: We review your current loan, calculate exact savings, and assess your borrowing capacity. This 15-20 minute consultation is completely free with no commitment required.
- Lender Comparison: We compare rates, fees, and features across 40+ lenders, presenting 2-3 clear options suited to your goals. You stay in control throughout.
- Settlement: We handle paperwork, coordinate with your current lender, and manage the entire process. Most Chatswood refinances settle within 4 weeks.
Refinancing Services in Chatswood and Surrounding Areas
Based locally on the North Shore, we support Chatswood homeowners through in-person consultations at our office, phone calls, or video meetings – whatever suits your schedule. Our refinance home loan Chatswood expertise extends throughout Artarmon, Willoughby, Roseville, Lane Cove, and across Sydney.
Whether you own near Mowbray Road or closer to Chatswood High School, you receive the same strategic guidance and competitive lender access.
We also offer expertise for investment loans and SMSF investment loans, so you can choose a structure that works best for you.
The MXJ Finance Advantage
- North Shore Market Expertise: We’ve helped countless Chatswood homeowners secure better rates. Local knowledge means we understand property valuations lenders actually accept.
- No-Pressure Approach: We calculate your exact savings, explain all switching costs transparently, and let you decide if refinancing makes sense. If the numbers don’t stack up, we’ll tell you honestly.
- Comprehensive Lender Access: Our 40+ lender relationships include major banks, credit unions, and specialist lenders. One application opens multiple doors instead of you approaching each bank separately.
- Ongoing Partnership: After settlement, we don’t disappear. Regular loan reviews keep you informed about market changes and opportunities to save even more as your circumstances evolve.
Your Trusted Refinancing Partner in Chatswood
MXJ Finance brings clarity to complex refinancing decisions. We calculate your exact potential savings, explain all costs upfront, and ensure annual benefits significantly outweigh one-time switching expenses. Our service includes ongoing support and periodic loan reviews, so you never pay more than necessary again.
Ready to stop paying the loyalty tax? Call 0416 080 336 or submit your enquiry for a free refinance review and discover how much you could be saving.
Common Questions
What's involved in loan refinancing in Chatswood?
Loan refinancing in Chatswood involves closing your current home loan and replacing it with a new one that better suits your financial goals, whether that's securing a better interest rate, changing loan features, or switching lenders.
Will refinancing actually save me money?
Definitely more than you think. If you refinance and save $5000 a year in interest, this allows you to keep that $5000 in your offset account, which in turn saves you more interest. The compounding effect can often shave years off your mortgage.
How do I know if a refinance is right for my Chatswood property?
We'll assess your current loan, property valuation, equity position, and future plans before making any recommendations. Our advice is 100% tailored to your unique Chatswood-based case.
Refinancing is quick and easy with a trusted mortgage adviser.
Call us now for an assessment and guidance on next steps, at no cost to you.
Looking for professional, personal finance advice, refinancing or brokering?
Contact Michael Jin today. He has over 8 years in the finance industry, he can provide you personal and friendly service in finding the right finance for you. Michael has settled over $250 million of loans, helped over hundreds of client. 2019 mortgage industry magazine MPA finalist Young Gun of the year.
Servicing all areas of; Lindfield, Willoughby, Ryde, North Sydney, St Leonards, Sydney CBD – as well as surrounding areas of Sydney NSW
