Hi Steph. Provided you or your partner is in the same industry a change of employer one will be ok and if not then your broker may need to shop around a little but i cannot see any real difficulty. if i can assist give me a call. Graeme C
Hi Steph. Yes you can be. I have rates from 3.62% variable for owner occupied - which is a Special Discounted rate for limited time. Look forward to hearing from you soon to get it. Kindest regards. Lezli
Hi Steph. Yes. You can refinance. Lenders will accept even a week casual income as long as the loan amount services. Contact me if you wish.
Hi Steph, As long as your income qualifies under the lender's policy and meets the servicing of the repayments, refinancing is not a problem. You are doing the right thing checking beforehand. Some of the reasons why you may have problems include starting in a new industry you have never worked in before. If you are on probation and if your salary has dropped from the salary you were assessed on for your original loan. Insist on your broker checking with the prospective lender's credit assessors before submitting the application, not just the BDM. I would like to assist you. Contact me via my profile. Thanks Steph, Bulelwa Freer
Hi Steph, From the info you have provided. It sounds like the refinance will be able to be done. Same industry and your husband's employment can be explained. Please get in touch with me through my profile and I Can assist you? Kindest Regards. Glenn Rowan
Hi, Steph, yes a refinance should be possible. However, I would recommend waiting until your husband is on a permanent employee
Thanks for that. So, if you're willing to deal with a broker via phone/webchat (many of our clients are) then I would love to work with you. If you prefer someone local then I am sure HashChing can help. Guys, if Steph goes with you make sure you speak to Homeloans Ltd. I had one similar recently approved as an exception to policy and it was actually in LMI territory. Hopefully I hear from you soon Steph, but if not best of luck :)
Steph, I still stand by my comment. Yes, you should have lender options. It's not straightforward but can be done. You need someone who knows this space so they don't fumble through it. How much you looking to borrow vs the value of the property (eg how much deposit)? Also, what state you in?
Hi. Thankyou for your responses. My husband was made redundant but got a temp job straight away with the same company but is employed through a recruitment agency so not permanent.
Hi Seph Thank you for your question How recently did the job change happen? Most lender is expecting you to work for six months in the new job and you have to be NOT on probation. As long as you in probation you will not be considered by any lender. If you work in the same industry than working for three months, many lenders will accept this. I would recommend you this on refinance after the 6 months working at the new place If you would like to discuss your situation with me you can find my details via the broker search
Hi Steph, Short answer yes, long answer - it will depend if you are on probation, is the job in a similar industry, was there much of a time gap between finishing and starting job, have you changed from PAYG to contractor. Best to work through your variables with a broker and then evaluate which lenders will be able to assist with the refinance. Thanks Jeremy
Hi Steph, you sure can! Ian is spot on, lenders will want to know if it's a whole new profession or not but either way we will no doubt have some great lenders on offer as long as you're currently working. I implore you, if you're in Melbourne, check out my reviews and get in touch. Look forward to helping out :)
Hi Steph, I hope you're well? You could refinance if you have recently changed jobs. Are you in the same industry, are you on probation? To get a proper answer for your question,I suggest providing more information for me or a broker to be able to provide you with options? All lenders have different policies. If you want some further information,please click on my link to my profile, provide me with more information and I can look at your whole situation to provide you with options for your unique financial situation?
Hi Steph, yes normally you can. There are a few banks who will allow a change of jobs. Was it a career change or just a new employer? Happy to discuss the details with you and work out the details. Cheers, Ian.
Travis
Hi Steph. You can refinance even with a new job. Contact me via my profile page should you wish to discuss great deals currently available.