An URGENT WARNING to Aussies considering refinancing or getting a home loan:

"Don’t Refinance Until You've Read The Special Report On Avoiding Costly Mortgage Mistakes"

The Costly Mortgage Mistakes And How To Avoid Them

“If It Seems Too Good To Be True, It Probably Is!”

I never really understood the old adage, “if it seems too good to be true, it probably is,” until I experienced it for myself.

Four years ago I attended one of those real estate seminars. You know... the ones that teach you how to “buy a house without putting any money down”.

When I read the ad I asked myself, “How is that possible?” The curiosity got the better of me and I decided to see what all the hype was about.

At the seminar, I discovered that I would have to pay $HUNDREDS$ just to get the information I needed to buy a home the “easy” way, without any money down!!! You know how “easy” it all turned out, don’t you?

It’s kind of how I feel about the mortgage market. I realised that recently thousands of people in the U.S. were conned into believing they could get a mortgage with a low monthly payment NOW and somehow afford higher payments LATER.

Well, there was no way that was going to work and now the US has been in recession since 2007 and is dragging Australia and other countries down with it.

So sick of expensive products and seminars, and “financial consultants” who withhold information consumers NEED to make intelligent choices, I decided to to create an information site called Refinance-Mortgage.com.au to educate Australians. To give them access to knowledge and empower them through financial education.

There Are BETTER Deals Available... You Just Have To Know WHERE To Look!

Frankly, there are heaps of mortgage brokers and lenders who are ticked off at us. They’d prefer we didn’t reveal their dirty little secrets.

Because, the thing is, not all lenders have your best interest in mind. Just the opposite. I’m sure you’ve reading about it in the news lately, haven’t you?

• J.P. Morgan conducted a survey in 2007 and reported that:
“Rising interest rates are creating mortgage stress for over 600,000 Australian households, dampening housing affordability.”

• Fujitsu Consulting warned that:
“Predatory lending practices in Australia are way lower than in the U.S. but there are some worrying early indicators of some predatory practices precisely in these stress segments.”

• Commonwealth Securities said that:
“The interest rate hikes earlier this year have added to the stress on the household budget and sharp rises in petrol are likely to see consumer spending slow even further.”

So, if you’re about to refinance your mortgage…BE CAREFUL!!! Know what you’re getting yourself into BEFORE risking the hassle and costs of refinancing.... know who you’re really dealing with before jeopardising the roof over your head with payments you can’t afford.

Actually, refinancing does have MANY benefits:

• You’ll lower your monthly payments

• You can withdraw equity from your existing loan to renovate your home, buy shares, purchase a new car or use it for surgery not covered by Medicare.

• You can restructure your existing loan to invest in property

• If you’re sick of dealing with big impersonal lenders and want to explore relationships with more personalised funding sources.

 

“We didn’t realise there were better loans available...”

We have had the same loan for over 10 years. We went with one of the “Big 4” because we had always banked with them. You could imagine our disgust when a financial consultation arranged by Refinance Mortgage revealed that our rate was way too high, we were paying too many fees and the structure didn’t allow us to pay it off any sooner!

Why didn’t our Bank ring us and tell us this?

Fortunately we were able to refinance to a much better loan with lower fees and rate. In fact we now have a facility available that will give us ready access to cash if required for any reason and in the mean time it helps us pay off the loan years sooner.

Shaun & Vicki Wallace, NSW

 

This all sounds GREAT, doesn’t it?

But you’ll need to educate yourself before you refinance mortgage because if you DON”T, you could end up paying a lot more in fees and interest. And you don’t want that hassle, do you?

I know you don’t. That’s why I’ve put together an easy way for you to protect yourself from greedy loan officers who wish you didn’t know about…

• EXTRA FEES & POINTS - The big 4 banks have recently passed on only .8% of the 1% RBA interest cut to borrowers while at the same time slashing the interest paid on deposits by a full 1%.
• THE FINE PRINT - Make sure you’re familiar with what you’re signing, instead of assuming everything is in your best interest.
• MAKING EMOTIONAL DECISIONS - This is where so many homeowners who aren’t fully educated get into trouble - making decisions emotionally instead of looking at all the details.
• CREDIT SCORE ERRORS - Your credit score could have errors that will cause your interest percentage to be higher than it is. This alone could cost you thousands in additional interest payments.

ASIC released a report, warning borrowers to be careful of "fringe lenders" offering refinance services.

"The crucial questions are whether the repayments will be lower on the proposed loan, and whether they can afford those repayments over the long run.

If their broker doesn't talk through this issue with them they should be very careful or consider approaching a different broker.”

 

Good News Is: You Don't Have To Take It From Fringe Lenders Any More!

Obviously there may be costs associated with getting out of your old loan and refinancing. That’s why you must educate yourself -- so you are able to pay your monthly payments over the term of the loan, not just when initial payments might be lower.

Don’t despair. There are plenty of good opportunities to refinance at a lower rate and make your life easier and more enjoyable. You just have to know the secrets so you don’t leap without looking.

The thing is, if you don’t educate yourself you might be at risk of:

• Not having an adequate understanding of the costs involved in refinancing such as the effect of fees and charges on the total loan cost

• Not knowing how to get around the “retention unit” most lenders have, when they realise that you found a better deal elsewhere

• Replacing one bad finance structure with another one

• Making decisions based on wanting to refinance versus whether you can afford to refinance

• Ignoring tax advantages that could save you thousands over the term of the refinanced loan, if you invest in investment property

• Thinking you’re paying off your loan faster in 15 years, when you’ll only be paying off 25% of your principal and tons more interest

At Refinance Mortgage we only deal with financial consultants who maintain the Highest Standards. Professionals who will save you money and help YOU make the right choice, by providing you with ALL the options available to refinance your home.

These professionals are members of  (Mortgage & Finance Association of Australia) which only accepts ethical individuals with substantial industry experience and qualifications.

I believe an educated consumer is the answer to the mortgage mess we’re in now, where Aussies are suffering from higher interest rates and not even realising it until it’s too late.

That’s why I encourage you to take advantage of the Free Financial Consultation (Available Australia Wide).

Some of financial companies we deal with have over 20 combined years in the mortgage industry and have helped hundreds of clients make the RIGHT choice.

This quality educational process is your first step in helping you enjoy all the benefits of having extra cash to make your dreams come true.

 

After the Free Financial Consultation you’ll:

1. Get a Comparative Market Analysis Report (valued at $65) which contains information such as previous sale prices, upgraded sales prices, street values and median values for your suburb, as well as nearby comparable sales data.  (Download Sample Report Currently available only in Victoria)
2. Know how much you can afford to pay monthly and get alternatives to accomplish it quickly and easily
3. Get assistance with pre-approvals, making the process less confusing
4. Understand how to consolidate your debt and save even more money
5. Feel more confident, knowing you’ve now paid down your debt and are on your way to financial freedom
6. Get payment options to pay off your loan quicker (as you’ll save interest in the long term)

 

“How do I access cash from my property for investing?”

I have owned my unit for 4 years and wanted to now purchase an investment property. However I was really struggling to save the required deposit.

A financial consultation arranged by Refinance Mortgage showed me how I could utilise the equity in my property to secure my investment property purchase.

This really meant that I didn’t have to put my hand in my pocket at all. At the end of the day I ended up with a better loan with a structure that allowed me to maximise my tax benefits.

Russell Stephens, QLD

 

Why should you act now rather than ignore this limited offer?

Tell me... how much is it worth to finally enjoy the peace of mind knowing everything is being taken care of in your best interest and you’re not paying a cent more than you have to?

It’s a great feeling. Ever notice it?

The thing is, very few Aussies actually take the time to go through this eye opening process. But here’s the thing you need to know. The banks have already began “credit rationing” and this will probably continue as the economy slows.

As one borrower recently stated:

“Why is it banks don't have to suffer some loss for their poor financial management? It seems that they don't have to wear any sort of pain like the rest of us. They just adjust their rates so that they still make their projected profits. “

The choice is yours – a reduced debt lifestyle of Financial Freedom, or the continued drudgery of opportunities and interest lost. The Financial Consultation is without doubt worth hundreds if not thousands of dollars in investment advice and in uncovering opportunities you would never uncover on your own.

If you act now, I promise that you’ll worry less about paperwork, taxes, legal issues and all the last minute glitches that can jeopardise you getting the extra money you need.

This Financial Consultation Is All About Protecting You (and Your Family)

At Refinance Mortgage we only associate with highly qualified and accredited finance professionals who normally charge thousands of dollars for their technical analysis and advice. However, over the years, we’ve established an ongoing relationship with many highly regarded consultants who have agreed to offer their valuable advice absolutely free but only to people who were referred through this site.

The 1 hour consultation is not going to be a "sales pitch" but a valuable evaluation of your goals, desires and dreams in relation to what you want out of life…and to give you the ability to achieve these goals by making the right choices.

 

“We were drowning in Debt!”

Over the years we had slowly maxed out a number of credit cards. That combined with the car repayments and the mortgage had us stretched beyond breaking point!

The financial consultation obtained through Refinance Mortgage showed us how we could combine all of our debts into one smaller mortgage repayment. This effectively reduced our combined monthly repayments by over $500.

Now the pressure is off, life is back to normal and we are on track to pay off our mortgage years earlier.

Steve & Jenny Maynefield, VIC

Your Satisfaction Is Guaranteed!

If you don’t feel the Financial Consultation is worth at least $100 within the first 15 minutes, we’ll give you $25 just for wasting your time. Just contact Refinance Mortgage and we'll deposit the money into your account within 3 business days. How can we make such an outlandish guarantee? Because we know the consultation is very valuable and will benefit you significantly. And if you don't feel this way, well, we’ve both learned something... and you ended up with $25.

The thing is, the mortgage professionals we associate with often continue to maintain close relationships with clients long after the dust has settled. They provide investment advice and access to investment opportunities not available to the general public.

And we want the opportunity to do the same for you.

So go ahead and click on the button below, right now, for your Free Financial Consultation. The evaluation is probably the most fascinating experience you'll encounter as it's enormously rewarding.

Refinance Mortgage has helped hundreds of people get enduring solutions to their financial problems. I hope you can also uncover your personal path to financial freedom in the process.

 

When word gets out to the half a million Australians suffering from mortgage stress that we’re offering this Financial Consultation, we expect to be flooded with people wanting to qualify for lower interest loans. Take advantage of this offer before we're overwhelmed with requests and need to start charging for this service or stop offering it altogether.

“We wanted to update the bathroom and to install a pool”

After being in our home for 3 years we wanted to update the bath room and install a pool. We looking into a personal loan but the rates were horrific!

We then approached our lender but they were totally inflexible, even though we had heaps of equity in our home.

So, we checked out the financial consultation offered by Refinance Mortgage. They refinanced us to a better lender and much better product at a great rate. More importantly the new loan had the flexibility we needed to do the improvements and now the kids are just loving the pool!!!

Adam & Marie Gore, SA

You have nothing to lose... except thousands of dollars in interest.

And everything to gain including peace of mind, less debt, a more affordable lifestyle and the knowledge you’ll need to make a more informed, rational decision that could change your life for the better.

Who knows? Rates could start going up next month and this opportunity will be lost.

Get advice today and transform your current situation into a world of financial freedom. Don’t put this off. In this economy we can’t offer something this valuable forever.

To Your Bright Financial Future,

Mark Powers
Finance Mentors

P.S. As you begin to think about refinancing, perhaps you’ll begin to think of all the ways you can save money and start on your journey to financial freedom. And I wonder if you can imagine how exciting it’s going to be at settlement, knowing you now have the resources to get the best deal, and feel good about yourself and your future.

P.S.S. Since we expect to be overloaded with requests for this free evaluation, we can only offer it for a limited time. However, if you do end up actually refinancing with one of our professional consultants, you’ll receive a Mystery Gift (valued at up to $100).

P.S.S.S. Less than perfect credit stopping you? Don’t worry. We may still be able to help..simply click the button below and a certified consultant will craft you a personalised plan.

P.S.S.S.S. Remember you'll get a Comparative Market Analysis Report (specific to your property)  just for requesting the Financial Consultation.