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At FIA, our goal is to help hard working people acquire their dreams by developing tailored plans to help pay off debt sooner; securing a comfortable lifestyle and to build wealth

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We offer a unique range of services and financial products including home loans, superannuation, self managed super funds, insurance and financial advice.

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Suite 1, Level 1,

15 Victoria Avenue

Broadbeach QLD 4218
1300 648 175

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About Us

At FIA, our goal is to help hard working people acquire their dreams by developing tailored plans to help pay off debt sooner; securing a comfortable lifestyle and to build wealth

Services

We offer a unique range of services and financial products including Home Loans, Personal Loans, Car finance, Equipment Finance and we also align with Superannuation Advice Australia for Superannuation, Insurance and Financial Advice.

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Level 2, Suite 2.01 Oasis Shopping Centre

Broadbeach QLD 4218
1300 648 175

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A Rave of Refinancers

Why everyone’s doing it!?

I’m not sure what the collective noun is for refinancers; a review, a revolt, a rave… whatever it is, there are record numbers of them.

We have more time at home to look at those nagging “life admin” tasks and we’re also realising that – in such a strange economic climate – we really don’t need to be donating extra funds to lenders.
Looking at the latest data, refinancing is on trend.
In April, Australian home-owners refinanced to the tune of $12 billion^. This is a huge volume of refinancing activity. Or so we thought. Along came May and $15.1 billion worth of loans were refinanced!
That month, for the first time in Australia’s history, the value of refinanced loans was almost as high as the value of loans for property purchases.
In 30 days, 33,712 people refinanced and, interestingly, three-fifths of those refinancers changed lenders. Often I hear clients say that they’d like to stay with their bank or lender, so they want me to see if I can get them a lower rate within an institution that is familiar to them. These days, it seems that old-school loyalty is going the way of the dodo. And for the better. It’s about getting you more money in your pocket, right?
Pandemic-induced uncertainty (for both the broader economy and our own personal financial circumstances) coupled with record low rates, economic stimulus and ferocious competition between lenders for your loan has been a catalyst for borrowers to rethink their current loan.
Cuts to the cash rate to just 25 basis points in March have now filtered through to home loans, taking mortgage interest rates to record lows. I’ve been reaching out to my clients whose loans are starting to look less attractive and working with them on alternatives.

If you feel like it’s time to look at yours, don’t be a stranger. I’m only a Zoom, call, text message, or email away.

It’s worth a conversation so we can run the numbers for you.

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