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Refinance and Reduce Monthly Payments with
Your Future Set

Refinancing your home loan is a smart way to lower your monthly payments.
By tweaking how your loan is structured or combining other debts into your mortgage, you can free up extra cash each month.

This gives you more room in your budget to enjoy life without financial stress.

The benefits of refinancing with Your Future Set

Reduce your monthly payments with a new interest rate.

Have you unlocked more equity in your property over the last two years? You could be eligible for a lower interest rate with a new lender.

Consolidate your loans to one lower payment plan

Juggling multiple loans? Simplify your life and lower your monthly payments by consolidating them into one manageable loan.

Split home loans for a mortgage plan that fits your needs

A split loan combines the flexibility of a variable rate with the stability of a fixed rate, allowing you to customise your mortgage to suit your financial needs.

What Happens Next

Today: Take the First Step

Book a call:

Select a convenient time using our online calendar to schedule a 15-minute chat with one of our expert brokers. This initial conversation will help us understand your needs and how we can help you secure the best home loan.

Complete a Quick Survey (Optional)

To save time during the call, you can fill out a short survey beforehand. This allows your broker to jump straight into finding solutions that fit your goals.

This Week: Discuss Your Options

Have a solutions-focused appointment:

After the initial chat, we’ll set up a second, more in-depth appointment to explore mortgage options tailored specifically to your needs. We’ll present solutions that match your financial goals, putting you on the path to homeownership.

Start Your Home Loan Journey Today Clear, Comfortable, and Customised.

Next Week: Move Forward with Confidence

Submit Your Paper Work:

Once you’re happy with the plan, we’ll request a few key documents. Your broker will take it from there, submitting everything to the banks and ensuring the loan process moves forward smoothly.

How Your Future set can save more money this year

Yes, a mortgage broker can help you find a better mortgage by comparing options from various lenders to match your financial situation and goals.

Refinancing can be a great idea if it leads to a lower interest rate, reduces your monthly payments, or helps consolidate debt, depending on your financial situation.

There's no set limit on
how often you can refinance your home loan in Australia; however, it's important to
consider the costs versus the benefits each time.

Yes, you can refinance with the same bank if it offers a better deal or more suitable loan terms than your current arrangement.

Individuals might avoid refinancing due to costs like break fees, potential increases in loan term, or minimal financial benefit from changing the loan.

Refinancing can be straightforward with the right guidance, although it requires careful financial evaluation and some paperwork.

It's generally advisable to wait until the potential savings from refinancing outweigh any penalties or fees, or when economic conditions are favourable.

When refinancing, you might have the option to borrow more against the equity in your home, which can be useful for renovations or consolidating debts.

Using a broker for re-mortgaging can be very beneficial as they can provide access to a wide range of products and negotiate terms on your behalf, potentially saving you time and money.

Struggling with Rising Costs? Refinance for a Fresh Start

The benefits of refinancing with Your Future Set

Reduce your monthly payments with a new interest rate.

Have you unlocked more equity in your property over the last two years? You could be eligible for a lower interest rate with a new lender.

Consolidate your loans to one lower payment plan

Juggling multiple loans? Simplify your life and lower your monthly payments by consolidating them into one manageable loan.

Split home loans for a mortgage plan that fits your needs

A split loan combines the flexibility of a variable rate with the stability of a fixed rate, allowing you to customise your mortgage to suit your financial needs.

How much our Customers have saved

5/5
"An awesome experience with Mike, he managed to save us $1500 a month by consolidating a couple of loans and getting us a better interest rate on our mortgage. He is a super friendly hard worker, I would highly recommend him to anyone!"
Ross Laverty
5/5
I found Mike through my financial planner and we weren't in a position to change banks but Mike still helps us out.

He was able to get us a 2.13% discount with CBA which saved us $437 per month. This saved us 115k over the life of the loan if we made the minimum repayments.

He also explained if we keep our current repayments then we can reduce our 22 year loan term to 16 years. Thanks Mike this has been an amazing help to our finances.
Elisia Coetzee
5/5
Mike & his team have had nothing but our best interest at heart in this being now my second dealings with processing of a loan. He is a genuine person and all correspondence is on a level that we can understand. Thank you once again Mike and the team.
Colin Goesch

What our Customers have to say

5/5
"Mike was so amazing to work with, it wasn't an easy refinance but he made the process as good as it could possibly be. He absolutely went above and beyond. Thank you so much for all the work you did. We are so grateful."
Ashleigh Bertrand
5/5
"Mike has been a godsend! He walked me through every stage of the process, making sure I got the best deal with the bank I wanted. His responses were always very prompt & accurate. Mike made purchasing a home effortless. I would strongly recommend him, as I was recommended through a family member."
Veronika Coffin
5/5
"Mike has been very helpful in the process of getting my loan. We had a few bumps in the road with the lender, and without him to help me work through them I probably would have given up. Now I’m a happy owner about to build my dream. Thanks again, Mike."
Narelle West

Over

65

Positive Facebook reviews

Over

57

5 Star Google reviews

Ross saved $1500 per month by Refinancing with Mike and
Your Future Set

Meet Ross: Once burdened by climbing mortgage repayments and a looming debt across multiple loans, his financial stability was at stake. 

Enter Mike, our financial whiz, who spotted a golden opportunity with a savvy mortgage refinance option..

Smart Refinancing: Mike’s eagle-eyed strategy found a bank that valued Ross’s property higher than the rest, paving the way for a debt consolidation miracle that wiped out high-interest debts and secured a lower mortgage rate.

Breathing Easy: The result? Ross now saves $1500 monthly, has a $15k safety net embedded into his mortgage, and can look forward to a brighter, stress-free financial future.

Join Ross in celebrating his newfound financial freedom!

Financial Head Start | Mike Mackenzie
Not Ross but just we think this guys is just as happy as Ross is right now.