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HashChing is Australia’s first online marketplace allowing consumers to access great home loan deals without having to shop around. Completely FREE to consumers, HashChing connects you directly to verified mortgage brokers who can further negotiate a better rate from the lenders and save you time, hassle and money.

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LEZLI

2 weeks ago

Hi James, I've got access to over 40 Lenders/Banks and there could be some who would be prepared to refinance your loan. The LVR determines the interest rate. I am happy to help you, and could only do this, knowing more on your particular situation. Look forward to hearing from you. via my Profile page. Kind regards. Lezli

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Morris

3 weeks ago

Hi James, there are many ways we can assist. But the short answer is you must have at least 5% EQUITY for the re-finance to happen. Equity: can be found in the current acceptable valuation completed by several lenders, i say several lenders because of the difference in valuation results we been experiencing in recent times. other EQUITY can also be found in SAVINGS or other funds that can be used to reduce your keyStart loan to the required 5% margin. and the final option is OTHER PROPERTIES that can be offered such as Parents Guarantee security, which also can save you LMI costs. cash rebates offered from some lenders will only assist you to recover some of the new loan costs and cannot be used upfront. Happy to advise you further if you call me directly.

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Belinda

3 weeks ago

Hi James, quick answer is; I’d need to do a free Bank valuation to figure out your true position. Keystart isn’t your only solution but you’d want to make sure you’d financially benefit from moving financial institutions. Keystart might have been the right option getting into a home. The idea of Keystart is moving once you can. Contact me through this forum and I’ll be happy to assist. Belinda Sukoski / Finance Broker

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Devinder

3 weeks ago

Dear James, There is a usual criteria to follow with valuations. All valuation companies hired by banks does not have similar valuation figures though. We can try with few lenders and even if you have to pay LMI(lender mortgage insurance)it still might be worth it i have seen the difference of up to $70,000 or even more for the same property. Some lenders are even offering up to$4000 refinance rebate which pretty much covers the LMI costs till some extent. Regards

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