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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 Grace, how are you going? Have you done anything yet? Let's start working together so that you can get a lower rate for your refinance. I have rates from 3.69% depending on your circumstances. Look forward to hearing from you soon. Kindest regards. Lezli

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Ken

2 years ago

Hi, Grace, I would need to look more closely at your income and expenses to be able to determine whether you are able to service the loan that you want. More than happy to assist you any way that I can. Regards, Ken

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Dominic

2 years ago

Hi Grace, I got the perfect lender for you! It does matter on the amounts etc but I know right where to send you! Just hit me up Regards Dominic

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Morris

2 years ago

Hi Grace, i will try to make it simple for you; if the new loan amount is no more than 80% of the value of your house and your combined income can demonstrate affordability, you will qualify for a new home loan @ 3.79%PA or 3.88%PA for a 90% lend including lenders mortgage insurance. contact me direct for more information.

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Pola

2 years ago

Hi Grace, thanks for your enquiry, income from employment and Centrelink benefits as well as living expenses and any other debts would need be considered, taking into account your two children (as dependants). A close understanding of your families situation, value of your home to understand borrowing capacity, as well as your goals long term all contribute to discovering your options. Happy to help! Regards Pola.

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LEZLI

2 years ago

Hi Grace, thanks for the further info. All depends now on what your loan amount to be refinanced is - as compared to both your incomes. But refinance is not a problem - and also what your current rate is - as lenders are doing 'special' deals at present to get business. I have a few specials from lenders which will expire in 1 week. so contact me please and I can help you further. thank you.

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Guido

2 years ago

Hi Grace No your Centrelink income can be and most likely will be considered by a lender. However, finance is a numbers game, the value of your property will establish if you can refinance your credit cards and get a new loan. Your combined income minus living expenses will establish how much you and your husband can borrow. If you in WA the house value could be lower than you expect, as house prices have declined in the last couple of years I would recommend you fill in the enquiry form and HaschChing will give your details to a broker close to you alternatively you can find myself under the broker finder All the Best

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Mark

2 years ago

Hi Grace. Yes you can potentially refinance but this will depend on your serviceability i.e. your husbands income, your Centrelink allowances and your expenses. We would also need to look at your Loan to Value ratio to see if the refinance would be viable. Happy to assist. Regards Mark

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Andrew

2 years ago

Hi Grace, it will depend what Centrelink benefits you are receiving, your husband's income and overall serviceability going forward. If you are in WA, I would be happy to discuss in detail your particular circumstance. Please view my profile for my contact details.

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Melanie

2 years ago

Hi Grace, Agree with the comments above. It will all depend on whether your husbands income is sufficient to service the debt. In order to ascertain this we would need to have quick chat and go through the numbers. Happy to discuss with you further - there are some very good options available at the moment for refinancing. Regards Melanie

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Grace

2 years ago

Ok great...I forgot to mention we have 2 children aswell. I'm not sure how much our house would be valued at either. At the moment I receive $450 p/fn which will go up in July as I wouldn't have wasn't any taxable income and my husband receives around 56,000 p.a. When we do get to refinance we would also like to add atleast his 2 credit cards and a newish car to that loan (need a bigger car) but I'm guessing we would have to wait until I have an income coming in weekly!?

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Kenneth

2 years ago

Grace, good morning. Your situation will not in itself stop you from refinancing, however as suggested by others the Lenders conduct a servicing test based on your overall income and expenses. They then tend to add some additional buffers to the calculation to ensure you could continue to afford the loan if interest rates rise etc.. You can contact me via my profile and I would be happy to run a few calculations to give you a better idea, I am based in Sydney region. Best Regards Ken Olds

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Bernie

2 years ago

Hi Grace as Peter and Kyle have mentioned it will depend on your husbands Income, the type of allowance from centrelink. From there we would need to consider your credit cards, other loans and expenses. It could be possible. Let me know if you would like to talk it through. Regards Bernie

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LEZLI

2 years ago

Hi Grace, need to know what your Centrelink payments are - but we can use them and your husband's income. No problem. Please contact me via my Profile page and I will help you. Look forward to hearing from you. Kindest regards

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Jerry

2 years ago

Hi Grace, you may not need to have any type of employment to get a lower rate. It will depend on your husband's, and your, current income, and existing expenses. Feel free to message me through the HashChing site and i will be happy to discuss. Regards, Jerry

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John

2 years ago

Grace hi, As per the above, to refinance does not necessarily mean two incomes...Happy to chat more about your needs. Contact me.

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Peter

2 years ago

Grace that all depends on the allowance you are receiving and your husbands income to see if it will pass the serviceability test with the lenders. I would be happy to go through the process with you when your ready. Regards Peter

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Kyle

2 years ago

Hi Grace, This all depends on income coming in and expenses going out. Happy to have a chat with you and see if it will work.

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