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Why Refinance Your Home Loan Now?

2021 is proving to be a record time for refinancing home loans in Australia. The ongoing Covid-19 lockdowns, resulting in more time at home together, have given people the opportunity to think and talk about their finances, with historically low interest rates being cited as major contributing factors to this trend.

The Seek Financial team have put together a short list of things to consider when thinking about refinancing your home loan, together with a few additional points to take into consideration during 2021.

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Loan Value Ratio – the key ingredient to understanding your borrowing capacity

Loan Value Ratio (LVR), can sometimes be confusing to home buyers, especially new buyers as they enter the property market for the first time. It’s very important to have a clear understanding from the start of what LVR means and what it provides in respect to your borrowing capacity.

The Seek Financial team have put together information that will hopefully give you a clearer understanding about what LVR is, how it’s calculated and why it’s so important in your quest to buy property.

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Is Your Home Loan Still Right For You? What to consider when refinancing

If this crazy year has taught us anything, it’s how life can change and chances are that since you got your home loan, interest rates have moved. Since you took out your mortgage, your life has probably changed a little too. Your income and expenses may have changed, and your financial goals could also be different.

With the Christmas holidays just around the corner, possibly bringing with them a little down time, now could be the perfect opportunity to review your finances and think about your goals.

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COVID-19 Update

To all our valued clients and friends

At this unprecedented time the Seek Financial team would like to reassure you that whilst our focus is on the health and safety of our team and the wider community, it is business as usual for us.

We already have the infrastructure in place to allow us to work from home if needed, so please don’t hesitate to contact any of us if you need help with anything at all at any time during this crisis.

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Your Comprehensive Guide to Common Banking Terms

As finance professionals we sometimes catch ourselves using jargon and acronyms that may inadvertently render our message useless to a person who is not familiar with the language of a lender.

With this in mind, we thought it was a good idea to put together a guide to help you make the most of your finances, by understanding some of the banking terms that are commonly used in the ever-changing world of finance.

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