Fit Loans exists to provide a fresh, honest and customer focused approach to lending.
About Us
Fit Loans was created to help borrowers find a suitable loan product and structure that fits their borrowing and financial needs. We pride ourselves on our high quality of client care and keeping you informed every step of the way.
With the market flooded with a variety of loan options, Fit Loans is here to take out the confusion and stress associated with finding a suitable loan for you.
We are dedicated to assisting you to find the loan that fits your needs. Whether you are ready to buy your first home, refinance an existing loan, looking for an investment property or simply wanting to learn more about reducing your debt, Fit Loans is here to help.
Variable, fixed, interest only, LVR, LMI…. we cut through the jargon and explain things in an easy to understand manner. We weigh up all your options and take you through our recommendations step by step.
We don’t play favourites with lenders – we find the most suitable fit for you. Fit Loans advice is free of charge.
It only takes a minute to complete our enquiry form and from there, a Fit Loans consultant will be in contact within 24 hours to provide assistance and answer any queries you may have.
All information will be kept strictly confidential and secure.
Frank Zinghini
Managing Director
Fit Loans was created to help borrowers find a suitable loan product and structure that fits their borrowing and financial needs. We pride ourselves on our high quality of client care and keeping you informed every step of the way.
With the market flooded with a variety of loan options, Fit Loans is here to take out the confusion and stress associated with finding a suitable loan for you.
We are dedicated to assisting you to find the loan that fits your needs. Whether you are ready to buy your first home, refinance an existing loan, looking for an investment property or simply wanting to learn more about reducing your debt, Fit Loans is here to help.
Variable, fixed, interest only, LVR, LMI…. we cut through the jargon and explain things in an easy to understand manner. We weigh up all your options and take you through our recommendations step by step.
We don’t play favourites with lenders – we find the most suitable fit for you. Fit Loans advice is free of charge.
It only takes a minute to complete our enquiry form and from there, a Fit Loans consultant will be in contact within 24 hours to provide assistance and answer any queries you may have.
All information will be kept strictly confidential and secure.
Frank Zinghini
Managing Director
Our Services
Home loans
Refinancing
Business lending
Investment loans
Construction loans
Commercial loans
Motor vehicle finance
Asset finance
Debt consolidation
Self managed super funds
Why Choose Us?
Whether you are a first home buyer or a seasoned investor, Fit Loans will find the right loan to fit your needs. We will provide you with quality customer service that you will value for the life of your loan.
- We have access to over 35 different lenders
- Our services are provided free of charge
- We work for you, not the lender
- We will be easy to do business with
- We will always get back to you promptly
- You will be kept informed every step of the way
- We will go the extra mile, every time
- We will listen to what you want
- We will provide a loan solution that fits your needs
- Our team is qualified and fully compliant
Education Centre
Fit Loans believe that you can never learn too much. That is why we have set up an education centre providing informative articles and check lists that can be read online or downloaded for later viewing.
Testimonials
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The Australian financial landscape has been a rollercoaster in recent years, leaving mortgage holders on a constant quest for financial stability. As interest rates ebb and flow, many Aussie homeowners are left pondering whether the current state of affairs is the new norm.![]()
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As more Australians continue to roll off ultra low fixed interest rates, this month we take a closer look at why loan refinancing is hitting record highs.![]()
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Perhaps it’s time for you to consider refinancing into a cheaper loan?![]()
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Let’s have a look at the driving forces behind this refinancing frenzy.![]()
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The elusive ‘mortgage cliff’![]()
One question that loomed large was the infamous ‘mortgage cliff’ anticipated to impact up to 800,000 fixed rate borrowers in 2023. Surprisingly, or not so surprisingly, this much discussed ‘mortgage cliff’ has yet to make its feared appearance.![]()
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Instead, a different trend has emerged. Record numbers of borrowers are actively engaging in loan refinancing while re-evaluating their discretionary spending habits. This shift appears to be a strategic response to the 'new normal' of higher mortgage costs while diligently keeping up with mortgage commitments.![]()
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Factors driving the refinancing surge![]()
Several factors have converged to drive this surge in loan refinancing:![]()
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1. Lower interest rates![]()
When 'loyal' mortgage holders reach the end of their low fixed interest rate term, often the current lender doesn't acknowledge their loyalty by providing them with the most competitive rates. Instead, many lenders reserve their most favourable interest rates for new customers, often assuming that existing borrowers will simply accept the terms they are rolled over to. This phenomenon is commonly referred to as ‘loyalty tax’, a familiar term used in the finance sector.![]()
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Many homeowners are realising they may secure lower interest rates by refinancing their existing mortgages by switching to a different lender to snap up some of these incentivised rates. Regular refinancing can translate into savings over the life of the loan.![]()
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Considering the present financial landscape, if you haven't re-evaluated your loan since transitioning from a lower fixed interest rate, it would be wise to touch base with us for a loan review.![]()
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2. Better loan features![]()
Some homeowners have taken the initiative to explore loan features and terms that better align with their evolving financial needs. These adjustments may offer a more personalised and effective approach to managing one's mortgage.![]()
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3. Debt consolidation![]()
Another strategy homeowners consider employing is debt consolidation to streamline their financial commitments. By consolidating multiple debts into one main loan, they can simplify their financial payments and potentially secure a lower interest rate, reducing their overall long term financial burden.![]()
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A deeper understanding of mortgage rates![]()
To make informed decisions regarding your mortgage and the timing of a refinance, it's good to understand some of the factors that may influence mortgage rates in Australia.![]()
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Here are some key considerations:![]()
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Economic cycles![]()
Economic cycles play a significant role in shaping mortgage rates. During periods of economic growth (as seen coming out of the pandemic), the RBA considers raising interest rates to control inflation. This typically leads to higher mortgage rates. In contrast, during economic downturns (as seen at the beginning of the pandemic), the RBA tends to reduce rates to stimulate economic activity, potentially leading to lower mortgage rates. And that is exactly what happened in 2020-2022.![]()
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Government policy![]()
Government policies and regulations can influence mortgage rates. Financial assistance programs, first home buyer incentives, small business grants and regulatory changes can impact market conditions, indirectly affecting mortgage rates.![]()
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Global economic conditions![]()
The global economic landscape has ripple effects on the cost of everyday living including mortgage rates. International trade, geopolitical events and global financial stability can all influence the local rate environment.![]()
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Inflation![]()
Inflation is a vital factor in determining the purchasing power of money. As we witnessed higher price levels leading to reduced purchasing power in the last 18 months, higher inflation tends to lead to higher mortgage rates as lenders adjust rates to maintain their real returns.![]()
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Market forces![]()
Supply and demand within the housing market and broader financial market play a crucial role in shaping mortgage rates. When there is a competitive lending environment as we saw early in the year with lenders offering attractive incentives enticing borrowers to switch, it can result in more favourable terms for borrowers.![]()
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Navigating the new normal![]()
Staying informed about interest rates and potential opportunities is crucial for your financial literacy. As your mortgage broker we encourage you to take a proactive approach to educate yourself about optimal times for refinancing.![]()
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Keep a vigilant eye on market trends and always feel free to reach out to us to explore your refinancing options. The financial world is ever evolving and, by remaining adaptable with our help, we aim for you to confidently navigate these uncharted waters.![]()
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In these competitive and tough times, mortgage holders need to make savvy financial choices.![]()
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You do not have to face the 'new normal' alone. If you have questions or need guidance, we are here to assist you. Feel free to reach out to us, your trusted mortgage specialists.![]()
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With your best interest always in mind…![]()
Frank Zinghini
yourfinancenews.com.au
Understanding refinancing Refinancing is a financial strategy that allows individuals to replace an existing loan with a new loan, often under different terms. It may be a beneficial consideration for...
In today's ever changing environment it is essential to be prepared for the unforeseen while also being ready to seize opportunities when they arise.![]()
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Firstly, lets aim to understand ‘What is financial resilience?’![]()
Financial resilience refers to the ability to withstand and recover from unexpected financial setbacks while maintaining a steady course towards your goals. It empowers individuals and families to weather economic storms, seize opportunities and achieve long term financial stability. Being financially resilient means having a robust financial foundation that can endure unforeseen events and adapt to changing circumstances.![]()
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Preparing for the unforeseen![]()
Having an emergency fund![]()
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One of the most critical aspects of financial resilience is establishing an emergency fund. This fund acts as a safety net to cover unexpected expenses such as medical emergencies, car repairs or temporary job loss. We imagine many of our clients have had to tap into their emergency funds in the last 12 months to help with increased costs of living and higher mortgage repayments.![]()
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Common recommendations from financial experts suggest having a goal of saving three to six months' worth of living expenses in an easily accessible account.![]()
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Insurance coverage![]()
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It is well known in Australia that about 83% of us are under insured. Protecting yourself and your loved ones through comprehensive insurance coverage is paramount. Health, life, income protection and home and contents insurances can provide financial security and peace of mind during challenging times.![]()
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Ask us about our industry associates who may be able to provide the level of cover you need and perhaps even save you some money on your premiums. ![]()
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Diversifying income streams![]()
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Relying solely on a single source of income can leave you vulnerable. As our out of touch Exiting-Governor of the RBA, Phillip Lowe would have it, he suggests that to combat the increased costs of living you should consider exploring additional income streams such as part time work, or that younger Australians should either move back home or rent out their study. Easy to say if you already have a debt free McMansion.![]()
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However, if you do happen to have some spare time or a special skill, freelancing or finding other reliable income opportunities may help you improve your finances.![]()
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Managing debt![]()
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Responsible debt management is crucial for financial resilience. One of our previous articles on 'The difference between debt refinancing and debt consolidation' has suggestions like prioritising repaying high interest debt, such as credit cards or personal loans, first before other lower interest debt. However, there are a few approaches to debt reduction. Read more here.![]()
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As your finance specialist we are here to help you with debt consolidation or refinancing your mortgages. ![]()
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Embracing opportunities![]()
Property ownership![]()
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In Australia, property ownership has long been a popular investment option. By building equity in your property, you can leverage it to access additional funds for investments or other financial endeavours.![]()
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A well planned property investment strategy can open doors to capital growth and additional income opportunities. Consider seeking advice from our qualified property specialists and financial planning connections to develop a property investment plan that aligns with your goals, risk tolerance and time horizon.![]()
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Education and upskilling![]()
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Continuously developing your skills and knowledge enhances your employability and opens doors to new opportunities. Consider investing in further education, attending professional development courses or acquiring new certifications to stay ahead in your field.![]()
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Maintaining financial resilience![]()
Regular mortgage health checks![]()
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Schedule periodic reviews of your mortgages and overall debt position to ensure you remain on track towards your goals. Regularly assess your income, expenses, investments and insurance coverage to make necessary adjustments and seize new opportunities.![]()
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Budgeting and saving![]()
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Consistently monitoring your expenses and creating a budget allows you to identify areas where you can cut costs and save more. Cultivate a habit of saving by allocating a portion of your income towards your long term goals.![]()
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Many lending institutions encourage you to have separate bank accounts to allow for your daily spending to be separated from your savings account and earn you better interest.![]()
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Stay informed![]()
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The financial landscape is dynamic and staying informed is key. That is why we like to bring you our educational updates each month on property and finance.![]()
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There are many ways to educate yourself about personal finance, investment strategies and market trends through books, podcasts, reputable websites and seminars. The more you know, the better equipped you are to make informed financial decisions. ![]()
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Building financial resilience is a journey![]()
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It requires dedication, discipline and adaptability. By preparing for the unforeseen and embracing opportunities, you position yourself for better financial outcomes over the long term.![]()
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As your finance specialist team, we are committed to assisting you in achieving your finance goals and navigating the path towards greater resilience.![]()
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Remember, being proactive today will help secure a brighter and more prosperous future.![]()
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As always...![]()
With your best interest in mind.![]()
We look forward to hearing from you.
MEC PF September 2023 CTA Page
yourfinancenews.com.au
Do you ever find yourself dissatisfied with your current financial situation? Have you ever stopped to contemplate how you can improve your financial well-being?
In recent times, many borrowers who initially secured home loans at lower interest rates have been facing challenges in meeting the regulatory requirements necessary to refinance their loans at current market rates. This predicament is primarily attributed to the stringent changes in the serviceability buffer that has become more stringent since the pre-pandemic era.![]()
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The serviceability buffer acts as a safety net for potential interest rate increases throughout the loan's term and any unforeseen fluctuations in the borrower's income or expenses.![]()
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Lenders are obligated to incorporate a serviceability buffer when determining the borrowing capacity of individuals to ensure they can comfortably make repayments, even if interest rates rise or their circumstances change.![]()
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The Australian Prudential Regulation Authority (APRA) recommends a buffer of 3%, meaning lenders assess whether a borrower would be able to meet repayments comfortably if the interest rate on the loan was 3 percentage points higher at the time of loan approval.![]()
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Calculating the serviceability level - Lenders calculate the serviceability level by deducting all monthly expenses from the after tax monthly income, resulting in a figure known as net income surplus. They then compute the net service ratio by dividing the net income surplus by the cost of the borrower's monthly debt commitments.![]()
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Background information![]()
In July 2019, APRA proposed changes to its guidance on serviceability assessments performed by authorised deposit taking institutions (ADIs) that include banks and lending institutions for residential mortgage applications. The updated guidance eliminated the requirement for ADIs to assess home loan applications using a minimum interest rate of at least 7%, with the common industry practice being 7.25%.![]()
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Instead, lenders gained the flexibility to determine their own minimum interest rate floor for serviceability assessments and use a revised interest rate buffer of at least 2.5% over the loan's interest rate.![]()
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In 2021, APRA raised the minimum serviceability rate buffer from 2.5 to 3.0 percentage points, citing the substantial household debt as a major factor in their decision. This adjustment affected borrowers, particularly first home buyers, as owner occupiers applying for loans with interest rates above 5% now needed to demonstrate the ability to make repayments even if interest rates were to rise to over 8% while investors must meet repayments above 9%.![]()
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Implications and challenges![]()
As interest rates have risen, some individuals have found themselves trapped in a situation commonly referred to as ‘mortgage prison’, where their income has not kept pace with higher loan repayments. Those who took out home loans when the cash rate was at 0.1% may now surpass the stress test applied at that time due to the increased cash rate exceeding the 3% serviceability buffer.![]()
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In some instances, lenders applying a 3% serviceability buffer on top of the current higher interest rate could disqualify several borrowers from refinancing their loans, effectively leaving them stuck with their existing loan and interest rate.![]()
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Positive news for borrowers![]()
Fortunately, there has been a recent announcement from major lenders that they will assist home loan borrowers trapped in ‘mortgage prison’ due to stringent regulatory standards. These lenders have indicated a reduction in their serviceability buffer to 1% for eligible borrowers who have not missed any repayments in the past 12 months and possess a certain level of equity in their property. Of course every lender is different and borrowers may be subject to the lender’s terms and conditions meaning not all borrowers will qualify.![]()
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Consequently, homeowners who were previously ineligible may now have the opportunity to refinance their loans at lower interest rates.![]()
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Relief for borrowers![]()
Whether you need to free up cash for a renovation, consolidate debt or seek a better interest rate, we can assist by searching the market for a solution tailored to suit your needs.![]()
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Lenders are striving to make refinancing more accessible for individuals who would otherwise be confined in the ‘mortgage prison’ as there are still competitive options available.![]()
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If you have faced loan rejection in the past 12 months, we may be able to find a lender willing to refinance your loan or work with you to explore suitable solutions.![]()
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Simply reach out and we will take care of the groundwork on your behalf.![]()
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As always...![]()
With your best interest in mind.
yourfinancenews.com.au
Your credit score is a crucial financial indicator that lenders use to assess your creditworthiness. A healthy credit score can open doors to better loan terms, lower interest rates and increased fina...
With the cost of everything increasing, including mortgages and credit card interest rates, many Australians are experiencing debt anxiety.![]()
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When faced with overwhelming debt, finding a solution can be a daunting task. That’s why we are here to help. We have recently been asked by many clients about the difference between refinancing and debt consolidation.![]()
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Refinancing and debt consolidation are two common approaches that individuals may consider to manage their finance burdens. While these strategies aim to alleviate debt related stress, it’s important to understand the key differences between them to make an informed decision. ![]()
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Refinancing: A fresh start on your loans ![]()
Refinancing is the process of replacing an existing loan with a new one that typically comes with different terms, interest rates and repayment periods. By refinancing a mortgage, borrowers seek to take advantage of more favourable terms or interest rates to reduce their monthly payments, lower interest costs or change the loan structure to better suit their financial goals. ![]()
When we help our clients to refinance their mortgage(s) we research and source a range of finance options from different lenders or sometimes the same lender who issued their original mortgage(s) with the goal of achieving more favourable conditions. ![]()
The new loan is used to repay the balance of the existing loan, effectively closing the previous loan. Depending on the borrower’s goal and circumstances, refinancing may not be just about reducing the overall debt burden, it may also be focused on restructuring the terms of the loan. ![]()
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Debt Consolidation: Streamlining multiple debts ![]()
Debt consolidation involves combining multiple debts into a single loan. It is commonly used to manage credit card debt or other unsecured loans. The goal is to streamline debt repayment and potentially secure more favourable terms such as a lower interest rate or a longer repayment period. ![]()
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With debt consolidation, as your finance specialist, we find a lender who will cover the outstanding balances of your various debts. Once approved, the new loan is used to pay off the individual debts leaving you with only one loan to manage. The new lender may request you to cancel your existing credit cards or reduce the limit to remove the potential of accumulating debt repeating itself. ![]()
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Benefits of refinancing![]()
Lower interest rates![]()
Refinancing may provide an opportunity to secure a loan with a lower interest rate, especially if your creditworthiness has improved since the initial loan. This may result in some substantial interest savings over the life of the loan assuming you maintain the same loan term or continue to make the same loan repayment amount.![]()
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Reduced monthly payments![]()
By extending the loan term or obtaining a lower interest rate, you can lower your monthly payments, providing immediate relief to your cash flow.![]()
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Improved loan terms![]()
Refinancing allows you to modify loan terms to suit your current financial situation. This may include switching from a variable rate mortgage to a fixed rate mortgage or changing from a short term loan to a longer term loan.![]()
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Benefits of debt consolidation![]()
Streamlined repayment![]()
By consolidating multiple debts into a single payment, you can streamline your monthly financial obligations into one payment. This can make budgeting more manageable and reduce the chances of missing payments. ![]()
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Repay debt sooner![]()
If you continue to pay the same combined payment amount to your new loan, you will likely notice that your debt can be fully repaid in a shorter amount of time.![]()
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Potential interest savings![]()
The goal of debt consolidation is to achieve a combined lower interest rate compared to your individual debts, saving you money on higher interest payments over time. ![]()
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Key differences between refinancing and debt consolidation ![]()
While both refinancing and debt consolidation involve obtaining a new loan to manage existing debts, there are key differences to consider: ![]()
1. Scope of debt ![]()
Refinancing typically focuses on a single loan, such as a mortgage or personal loan, while debt consolidation encompasses multiple debts and often unsecured debts like credit cards or personal loans.![]()
2. Restructuring vs consolidation ![]()
Refinancing aims to restructure the terms of an existing loan, whereas debt consolidation combines multiple debts into one loan or payment plan. ![]()
3. Interest considerations ![]()
When it comes to interest, the implications of refinancing and debt consolidation can differ: ![]()
• Refinancing ![]()
When refinancing a loan, the goal is often to secure a lower interest rate than what was initially obtained. By refinancing at a lower rate, you can potentially save money on interest payments over the life of the loan. However, it's important to consider any associated fees or closing costs that may be involved in the refinancing process as these can impact the overall cost effectiveness of the new loan. ![]()
• Debt consolidation ![]()
With debt consolidation, the interest rate on the consolidated loan will depend on various factors including your creditworthiness and the terms negotiated with the new lender. While it is possible to obtain a lower interest rate through consolidation, it is not guaranteed. Some debt consolidation options may even result in higher interest rates, especially if your credit score has declined since the original debts were incurred. It is crucial to carefully evaluate the interest rate and terms offered for the consolidated loan to ensure it provides a meaningful benefit in terms of interest savings. ![]()
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Potential drawbacks and considerations ![]()
Extended repayment period ![]()
Both refinancing and debt consolidation may extend the repayment period compared to the original loans. While this can lead to lower monthly payments, it can also result in paying more interest over the long term. You should consider the impact of an extended repayment period on your overall financial goals and the total cost of the loan. ![]()
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Risk of accumulating new debt ![]()
When consolidating multiple debts, there is a risk that you may continue to accumulate new debt while repaying the consolidated loan. This can result in a higher overall debt burden and financial strain. It is essential to address the root causes of debt and adopt responsible spending habits to avoid falling into a cycle of debt accumulation. ![]()
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Impact on credit score ![]()
Both refinancing and debt consolidation can have an impact on your credit score. When refinancing, the credit inquiry and closing of the previous loan may cause a temporary dip in your credit score. Similarly, debt consolidation may also initially impact your credit score. However, if you successfully manage the consolidated loan and make timely payments, it can have a positive impact on your credit score over time. ![]()
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Each approach has its own benefits and considerations regarding interest rates, repayment periods and potential impact on credit scores. It is crucial for you to carefully evaluate your financial situation, goals and the terms offered by lenders to determine the option most suitable for your specific needs. ![]()
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And that’s why we are here to help and guide you through these finance options and decisions. ![]()
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With your best interest always in mind...
yourfinancenews.com.au
Debt can be a significant burden causing stress and hindering financial progress. Whether it's credit card balances, student loans or other forms of debt, finding an effective strategy to eliminate it...
If you live in a capital city you would be familiar with seeing the endless cranes on the skyline and may be wondering where on earth are people going to come from to occupy this continual development. But they will fill – and fill fast.![]()
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We hear that Australia is in the throes of a housing shortage yet builders are going broke!![]()
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Rents are so high that more people are fast tracking their purchasing decision simply because they can’t find rental accommodation.![]()
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Immigration projections are exceeding our housing capacity with migrant population expected to have grown by more than 700,000 between 2022 and 2024 financial years. Where are they going to live?![]()
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With net overseas migration at record levels and rising, there is a chance more permanent or long term migrants who can afford it will skip the rental phase and fast track a home purchase simply because they can’t find rental accommodation.![]()
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Home owners are holding waiting for the next wave before they sell, and astute investors are preparing to pounce on a good buying opportunity.![]()
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Although we don’t have a property crystal ball, there are certainly signs that property prices across the country have bottomed out. In April we saw the first sign in nearly 12 months where there was an increase in the Home Value index reported by Core Logic two months in a row.![]()
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CoreLogic's Research Director, Tim Lawless, said that, despite the divergence, the figures suggested Australia's housing market downturn had passed.![]()
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"Not only are we seeing housing values stabilising or rising across most areas of the country, a number of other indicators are confirming the positive shift," he said.![]()
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"Auction clearance rates are holding slightly above the long-run average, sentiment has lifted and home sales are trending around the previous five-year average."![]()
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So what does all this mean?![]()
It pretty much means that our housing market simply won’t be able to cope.![]()
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How many times have we said to ourselves “I wish I had bought that property back then”, or “I should not have sold when I did” or any of the other comments we hear from the voices inside our heads.![]()
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Of course, not everyone can jump onto the property ladder right now. And you should never rush into a situation without doing all your due diligence.![]()
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However, if you believe there is an opportunity and you have thoroughly researched, it can be advantageous to act early and position yourself before the market takes off again.![]()
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It is crucial to carefully evaluate the risks and potential rewards associated with any property purchase. Here are a few considerations:![]()
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1. Research and due diligence![]()
Take the time to thoroughly understand the market and factors driving the expected growth. Investigate the potential risks and any economic factors that may impact your property growth.![]()
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2. Planning![]()
Assess your own financial situation and determine how much you can comfortably invest without jeopardising your financial stability. Set clear property goals and establish a realistic timeline to hold your property for potential capital appreciation so you can achieve maximum gain.![]()
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3. Diversification![]()
Consider diversifying your properties across different types of property (unit/villa/townhouse/house/commercial) or another state to spread your risk. This can help protect your portfolio if a particular property type does not perform as expected.![]()
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4. Seek professional advice![]()
If you are unsure about making property purchasing decisions or lack expertise in this area, consider consulting with a property advocate or other property professionals who can provide guidance and tailor a solution to your specific situation.![]()
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5. Keep emotions in check![]()
Don't let FOMO (fear of missing out) or short term market fluctuations dictate your property decisions. Maintain a long term perspective and make rational choices based on thorough analysis.![]()
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Remember, investing in property always carries some level of risk and markets can be unpredictable. It's essential to make informed decisions based on your own research and risk tolerance.![]()
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As always, we are here to help you with your finance options.![]()
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We can talk about your property purchasing plans for now and in the future.![]()
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We look forward to hearing from you soon.![]()
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With your best interest always in mind…
yourfinancenews.com.au
Buying an investment property can be a lucrative venture, however it is a significant decision that demands financial stability, knowledge of the market and a solid strategy. Below we