How to Switch Lenders and Potentially Save on Your Budget

14 Sep How to Switch Lenders and Potentially Save on Your Budget

Most home loan owners are playing safe by sticking to their lenders to avoid uncertainty and hassle, but switching lenders can potentially save you money on interest.

switch lenders, lenders, budget

How to switch lenders and potentially save on your budget

If you are thinking of purchasing another property or refinancing your home loan, finding a better rate on your current mortgage is the first step. More often than not, you tend to stick to your current lender–but what if, you’ve heard about a better deal with another lender?

What’s the next best move?

Many home loan owners are afraid to change lenders because of the fees, the tedious process, and just the uncertainty of it all. They’d rather play safe. It could be lack of interest, lack of time, will, knowledge, or just confusion. For a few hundred bucks a year in savings, it doesn’t seem worth it. However, industry experts did the math and found that switching lenders can potentially help the home loan owners save on their mortgage interest. There are cheaper lenders that offer rates more than 1 percentage point below the big four. For instance, on a $300,000 mortgage over 30 years, there’s a potential interest saving of $70,000.

So before sealing that new deal, here’s a guide before making that switch:

Contact your current lender.

Find out your current lender’s competitive interest rate. Seek the help of your local finance broker to do the talking. Finance brokers are professionals and have relevant experience in the field so it’s always a good move to have one on board.

Have your current lender negotiate on the interest rate. If you’ve found a better deal, show it to your lender as proof and they will more likely to match it to make you stay with them.

Speak to other lenders.

If Plan A didn’t work, get to Plan B. Your local finance broker will help you look for the most competitive deal in the market. It could be a lot of legwork, but think of the potential savings it could give you. Your broker has to have ties with the main lenders to negotiate on your behalf.

It’s advisable to search for a better deal every year to keep up with the best possible rates.

(Tedious, yes, but that’s what finance brokers are for.)

Know the cost of switching.

If you paid lender’s mortgage insurance (LMI) on your current loan, find out if you have sufficient equity in your current home to avoid paying LMI again. If your new loan is more than 80% of the current value of your home, you may have to pay LMI again with a new lender, especially if you are increasing your loan amount. This can greatly increase the cost of switching loans. Check if there are no exit fees.

Most importantly, don’t be afraid to bargain for a better deal. Banks will want to keep your business.

Switching lenders may not be for everyone but it is always a good thing to consider especially in a competitive housing market. I can’t reiterate enough how helpful a finance broker can be. So before making a major finance decision, always research and ask. 😊

 

Disclaimer:

This article provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product.

Corporate Credit Representative (486927) is authorised under Australian Credit Licence 389328.

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