๐๐ง๐ญ๐๐ซ๐๐ฌ๐ญ ๐ซ๐๐ญ๐๐ฌ ๐ก๐๐ฏ๐ ๐ข๐ง๐๐ซ๐๐๐ฌ๐๐ ๐๐ฒ ๐.๐๐%!! ๐๐ข๐ฆ๐ ๐ญ๐จ ๐ซ๐๐ฏ๐ข๐๐ฐ ๐ฒ๐จ๐ฎ๐ซ ๐๐ฅ๐ข๐๐ง๐ญ’๐ฌ ๐ฅ๐จ๐๐งs??
Are you a:
โข Financial adviser
โข Accountant
โข Estate planning lawyer
โข Aged care adviser
โข Other profession supporting clients with debt decisions
Many of your clients hold home loans.
The recent 0.25% increase to a cash rate of 3.85% will affect repayments, cash flow and borrowing capacity.
Now is the right time to start a refinance conversation.
Rate rises often surface problems that were easier to ignore when rates were lower.
โข Higher repayments place pressure on household budgets
โข Fixed rates are expiring and reverting to higher variable rates
โข Existing loans may no longer align with a clientโs current life stage
I recently assisted a client whose fixed rate ended.
A straightforward refinance reduced their repayments and improved cash flow without changing their lifestyle.
Preparation matters.
Clients who refinance smoothly usually have:
โข Recent payslips or income evidence
โข Up-to-date bank statements
โข Current loan statements
โข Passport, Driverโs licence, Medicare
โข A clear view of what they want to achieve
When documents are ready, decisions happen faster and options improve.
Which of your clients might already be feeling the impact?
Are you raising this early or waiting for them to ask?
If you want support preparing clients for a refinance discussion, Iโm happy to help make the process simple and structured.