When it’s time for a change, we go beyond finding a lower rate. We’ll assess your full loan structure to ensure every dollar you pay is reducing your debt, not your savings.
Looking to save money, release equity, or pay off your mortgage sooner? Our Refinancing service helps you secure a better home loan package tailored to your current needs and goals, reducing interest costs and giving you greater financial flexibility.
One of the primary reasons to refinance is to take advantage of lower interest rates. Refinancing can reduce your monthly repayments and save you thousands over the life of your loan. This extra cash flow can be redirected toward savings, investments, or paying off your mortgage faster.
Refinancing can also unlock the equity built in your home, giving you access to funds to renovate, invest, or cover large expenses. We guide you through options such as cash-out refinancing, ensuring you maximize your available equity without compromising financial stability.
Refinancing allows you to adjust your loan period by choosing a shorter term, helping you pay off your home quicker and reduce overall interest paid. While repayments may increase, the long-term savings and quicker path to mortgage freedom can be well worth it.
With refinancing, you can also access improved loan features like offset accounts, redraw facilities, and flexible repayment options. These features give you greater control, potential tax benefits, and the ability to manage your loan more effectively.
Your borrowing power depends on your income, expenses, debts, and deposit size. At Crown Money SA, we not only calculate what you can borrow, we help you understand what you should borrow to stay financially comfortable and reach your goals faster.
Yes! Many clients use built-up equity in their current home to purchase an investment property or upgrade. We’ll help you structure your loans smartly so you grow your wealth without over-stretching your cash flow.
Most lenders require 10–20% of the purchase price, though this can vary depending on your situation. We can also explore low-deposit options and guarantor structures to help you get into the market sooner.
Absolutely. Refinancing can reduce your interest rate, consolidate debt, or free up equity for renovations or investments. We also review your loan structure to ensure your repayments are working to reduce your debt faster, not just maintain it.
Generally, you’ll need recent payslips or tax returns, ID, bank statements, and details of any current debts or assets. We’ll provide a simple checklist and guide you through the process step-by-step.
Pre-approval timeframes vary by lender, but most applications take 3-10 business days, depending on how quickly supporting documents are provided and how busy the lender is. Full approval usually follows once your property is confirmed. Our team keeps the process moving and communicates with you every step of the way.
Unlike traditional brokers, we don’t stop once your loan settles. We offer ongoing coaching, accountability, and annual reviews to help you pay off your home in record time, often within 12–15 years instead of 30.
Rental income can help you qualify for a higher loan amount, while tax deductions (like interest and depreciation) can improve your cash flow. We’ll show you how to structure your investment loans to maximise these benefits safely.
An investment loan is designed for properties you rent out, not live in. Lenders assess them differently, often with slightly higher rates. We’ll help you choose the right setup so your investment supports your long-term wealth strategy.
