Reviewing your Mortgage
Life gets busy we get that, and sometimes our finances take a back seat and in reality, this is what we work hardest for. Reviewing your lending is a great way to make sure you have the best arrangements in place and your bank is looking after you to keep you as a customer.

Let us take a fresh look at your existing lending, we all strive to pay less interest and pay off your home loan faster. At Blue Water Mortgages we provide personalised advice on loan repayment options and restructuring this could mean paying off your loan faster, making household budgeting easier or attaining financial independence.

Fast approvals thanks to industry links
Full scope of the market for the best rates possible
Clear, concise communication with on-going updates
Customer focused approach
Guiding you through the process
This is what you can expect when you partner with us.
1.
First Chat!

We’ll begin with a friendly chat about your current lending situation and financial goals, as well as any specific areas you’d like to address. This can include discussing interest rates, and remaining loan terms, you may want to increase your borrowing, restructure loan terms, or make significant life changes.

2.
Lending Review

We’ll need a clear picture of your financial situation. We will ask you to share your bank statements and loan details with us. This will help us understand your current position.

3.
Let’s Explore Your Options 

Based on our review, we’ll present a range of options perfect for you. This could include lower interest rates, exploring restructuring, or adjusting your repayment plan to suit your financial goals. We’ll explain everything in plain English, no jargon. Our goal is to empower you to make a confident decision that aligns with your financial goals.

4.
Implementation

If you decide to go ahead, we will help with all the paperwork. It’s our job to make the transition as stress-free as possible.

5.
Annual Check-In 

We’re here to build lasting relationships and support you throughout your entire borrowing journey. Whether you just need to chat things through, refix your existing loan, discuss new borrowing options or explore an exciting new opportunity, we can help.

Have some questions?
Here’s some answered.

Not at all! We’ll explore all your options, starting with your current bank. Our goal is to find the best deal for you, whether that’s staying put or switching.

Let’s break it down. Refixing is simply choosing a new interest rate for your home loan. Restructuring means changing the terms of your loan, like splitting the loan into two loans. Refinancing is moving your home loan to a different bank, which often involves restructuring and refixing as well.

Sometimes! Banks offer incentives to both new and existing customers. We’ll let you know what’s available.

You can review your home loan whenever you like. It’s a good idea to check in at least once a year, especially if interest rates have changed, your fixed term is ending, or life has brought exciting new chapters like a new home, a growing family, or a new job.
Our Promise
Guiding Your Journey

We are here to guide you through your entire homeownership journey, from preparing you to buy your first home, to owning your dream home and achieving financial independence. This involves building relationships, understanding what matters most to you, staying in touch, and offering top-notch advice.

Empowerment Through Knowledge

Knowing your numbers is crucial. We will provide you with the tools and information you need to make sound decisions. This involves access to helpful articles, industry updates, workshops, and regular check-ins to keep you on track and feeling confident about your finances.

Clarity, Not Confusion

We believe in clear communication and easy-to-understand explanations. This includes breaking down details into simple terms, providing regular updates, and offering a dedicated point of contact for all your questions.

An Individual Approach

Everyone’s financial situation is different. That’s why we will take the time to understand your unique needs and goals. We will then tailor your lending that’s perfect for you. This includes getting to know your financial situation and discussing your future plans to find the best loan terms for you.

Our recognised network

AND MORE

Investing in your
future well

Connect with us so that we can connect with you.