Home loan refinancing documents and paperwork

Learn what you’ll need to refinance your home loan

person filling out refi checklist

Refinancing your home loan is an important decision and should be done after you have carried out enough research.

The first thing to consider is what your goals for refinancing are – it could be to get a lower interest rate to reduce your monthly repayments, or to access equity to buy an investment property, renovate or perhaps put in a pool.

Whatever your situation, you’ll want to be certain that refinancing will achieve your desired outcomes, and that the benefits will outweigh any costs, before recommitting to another loan or lender.

Thankfully, your Aussie Broker can make the whole process a lot more straight forward. They’ll be able to help you with any questions you might have about refinancing. They can crunch the numbers on your various options and file any paperwork necessary to transfer your mortgage to a new lender or loan.

What documents do you need to refinance?

Once you’ve met with your Aussie Broker and you have a better idea of what’s possible in terms of refinancing, your broker will provide options from a choice of loans or lenders. Then, if and when you’re ready, they can help with your application and let you know what paperwork and documentation will be required for the loan you prefer.

When refinancing, lenders will be looking for many of the same things you had to provide when you applied for your existing home loan.

A lender will generally want to see:

  • Your personal information and ID (driver’s license, passport or birth certificate) 
  • Proof of your income (payslips and a group certificate if you’re employed, tax returns and Business Activity Statements if you’re self-employed)
  • Your current home loan statement 
  • Records of living expenses and other liabilities (such as personal loans or credit cards) 
  • Records for other assets you might own (investment property or shares).

There’s no need to wonder what you’ll need to refinance your home loan. Simply reach out to an Aussie Broker today and they’ll help you through the process every step of the way.

Speak to an Aussie Broker 

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