Find Your Best Home Loan Rate in 4 SIMPLE Steps! (Australia)

Find Your Best Home Loan Rate in 4 SIMPLE Steps! (Australia)
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    Sam: How do you make sure you're on the best rate possible for your home loan? Watch this video for our four step method to make sure you get the best rate possible, and we'll also show you about another way that can help you skip a lot of the hassle. Sam: Hey guys, it's Sam. Here at Lendi, we've already helped thousands of Aussies get a better rate. We know that lots of Australians are on an outdated rate, and losing thousands of dollars each year because they don't know how, or when to switch to another lender. Our goal in this video is to show you how you can always make sure you get the best rate possible. Sam: Before we start with the four steps, if you're interested to see how you can get great home loan tips in Australia, please subscribe to our channel and hit the bell so you can get notified when we upload new videos. Sam: The first thing that you need to do is to know your current interest rate. You may get regular statements from your bank that should show your current interest rate and home loan term remaining. Sometimes you may not know if your interest rate has changed, as all banks communicate these rate changes differently. Sam: The second step is to compare rates online. There are lots of comparison websites that allow you to check most interest rates. However, they may not be specific to your unique situation, and some of the products that you see online may have very specific lending criteria, such as a low loan to value ratio or a minimum loan amount. Sam: The third step is to negotiate with your current bank. They will generally try to offer you a rate to stay, but in most cases they won't be able to offer you the most competitive rate in the market, and often new customers are going to get a better rate than existing customers. Sam: The fourth step is to apply and get approved online. Some lenders will allow you to apply online, and others you'll need to go into a branch. Be cautious if you are applying for multiple lenders, as each time you lodge an application it will be a mark on your credit file, which can reduce your chances of getting approved for future loan applications. Once approved, you'll need to sign the documents with the new loan agreement. You should be able to do this digitally, however, some lenders require you to sign them and post them back, or go into a branch to complete the documents. Sam: Fifth step is the faster alternative that you might not know about. Instead of doing all these steps yourself, you could use a platform that allows you to do all of this online. Lendi is the number one online platform in Australia where you can compare rates, apply online, and get approved quickly all in one place. We also have a team of home loan specialists that will guide you through as much or as little of the process as you like. This is also the easiest way to be confident that you're going to be on the best rate for the life of the loan, as we always touch base with our customers regularly post settlement, to make sure they're always on the best rate available. Sam: Thousands of Australians are now in a lower rate by using the Lendi platform, and you can see this from my online reviews. Visit lendi.com.au today to see how easy the process is. That's it guys, all the steps to make sure you're on the best rate possible for your home loan. Sam: If you've found this video helpful, please give us a thumbs up, and if you have any questions, leave them in the comment section below. You can also join our private Facebook group, Home Loan Hacks Australia, where we talk all things home loans and answer other questions. If you want to know more about the refinance process, watch this video to learn more about it
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