Refinancing? Banks can be flexible
Yep, you heard right! "Very flexible." When you're refinancing, you can, in fact, find the deal that's just right for you. The right rate, the right features, the right turnaround time. All with no fuss and no extra cost.
You just need to know who to deal with
The trick is to find those rare people within each bank with the authority and inclination to step outside the usual processes. The actual decision-makers within the lending unit, who are hungry for your business and authorised to 'bend the rules' in order to win it. The people who say "let me see what I can do.." rather than "it's not our policy to.." or "our system doesn't let me.."
These people are known as 'bankers'. You don't hear the term much these days, because they're few and far between. (Bet you're not surprised to hear that!) But they do exist. And they can help you secure a refinance package that suits you down to the ground.
We have a dozen bankers' details in our mobiles
So how do you find them? It's not easy. It takes years of full-time dealings with banks and bank staff before you can locate them. We know, because we've done it. We have a list of a dozen bankers' names and phone numbers in our mobiles. And we speak to them on a weekly basis. So when someone like yourself wants to refinance and engages us to find the best, most appropriate deal, we already have a fair idea which bankers to call. (In fact, chances are we've spoken to them about something very similar in the last couple of days.) We call the people who're most likely to help, and see what they have to offer.
Refinance your home loan through a banker - not a bank
That's the big difference between us and most brokers. We work from a list of a dozen serious bankers who we know personally, and who know us. Actual people. We don't use a computerised comparison chart to tell us which bank to refer you to. In fact, we don't refer you to a bank at all. We refer you to a person. A person with the authority to waive fees, reduce rates and jump queues in order to win your refinance business.
Fewer fees, competitive rate, faster response
And once we've made that introduction, we step out of the picture. From then on, you deal with the banker personally. We don't get involved in any of the refinance paperwork or correspondence. That just slows things down and complicates matters. This way, you know exactly who to call and exactly who's going to call you. You'll typically have verbal and an indicative written approval within 24 hours, and a total turnaround time of as little as three weeks. The only delay you're likely to encounter is the wait while your existing bank discharges the loan.
Just as importantly, because we don't get involved in the processing of your loan, we're able to accept a much lower commission than other brokers. Our bankers know this, which makes them that much more likely to deliver unbeatable refinance solutions and turnaround.
Contact us for refinance
If you're currently refinancing, or just considering it, contact us. We'll call you and have a chat, then figure out who to put you in touch with. Whoever we choose, they'll have the authority to do whatever's required to win your business and process your refinance quickly.
So let's get the ball rolling...
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