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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 years ago

Hi Rafik, I would love to help you. I have special lenders who love helping self employed with good rates - FULL DOC or LOW DOC. So please contact me via my Profile page and i would love to help you. Thank you

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Guido

2 years ago

Hi Rafik The first step I would do is to ask your current lender for a better deal. If this is fruitless fill-in the enquiry form and a broker close to you will contact you A broker can help you with your existing lender as well Important is you keep in mind finance is a numbers game; you have to have 2 to 3 years business tax return, your private tax return, credit card and any other loan statements most lender requiring 6 months each and then you have to, still, showing you can service the loan All the best for 2017 and or the refinance

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kelvin

2 years ago

Hi Rafik. Self employed or PAYG what we need to know to look at refinance options is as follows :- INCOME & EQUITY Last 2 years net taxable income (so 2015/2016 and 2014/2015) Depreciation Superannuation paid Interest being refinanced (was interest for an investment property and in your tax return) Other income Credit card limits Other loans - Personal / Car / not paid by the business Married or single If married does your wife work Dependents GENERAL QUESTIONS Do you have clear credit history ? Are you self employed for > 2 years Loan amount and Home valuation Current interest rate and lender There might be more but thats a good start to understand your options

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Kenneth

2 years ago

Rafik, Good afternoon. The first step in getting a refinance at this point in time would be to understand how much it will cost you to break out of your existing fixe rate contract. Following that, it is then beneficial to know what your "revert to" rate is on your existing loan once your current fixed rate period has expired. I would be happy to give you an overview of the current lending markets, however would need to know your full financial details to ensure my advice is suitable to your situation. Should you wish to select my profile fro the platform, we can commence a meaningful conversation around the best way forward that benefits yourself. I am based I Sydney and would be happy to hear from you. Best Regards Ken Olds

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Damien

2 years ago

You're missing lots of information. The most important part is have you lodged personal tax returns? If you haven't done this, there's not much room for you to move in regards to the low rates on offer.

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Dhaval

2 years ago

Hi Rafik, I can assist you to get the best outcome based on your scenario. Kind Regards Dhaval

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Thomas

2 years ago

we have help you on Aug this year to refinance away. before that small amount penalty fee will applied on your loan. if you want leave earlier, I still can can you refinance away. ANZ is very good for self-employment, only require 1 year finance to approve your home loan. cheers

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Michael

2 years ago

Hi Rafik, it may be possible to get a refinance to a lower interest rate. I would need to know much more detail though. Specifically, what is your current interest rate, what do you earn, what do you owe. Please be aware that if you refinance before the fixed rate has finished you may be subject to break fees. Regards Michael Messinesi

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