Refinancing is ideal when interest rates drop, your financial situation improves, or you want better loan features. It’s also beneficial if your property value has increased, giving you access to more equity.

If refinancing provides lower interest rates, improved loan features, or financial relief, it can be a worthwhile option. Reviewing your loan every few years ensures you're always getting the best deal.

Yes! The First Home Owner Grant (FHOG) and other state-specific grants can provide financial assistance to eligible buyers. Criteria vary by location, and some grants may also offer stamp duty concessions to reduce upfront costs.

You can choose between fixed, variable, or split-interest rates, each offering different benefits depending on your financial goals. Fixed rates provide stability, variable rates offer flexibility, and split loans combine both for a balanced approach.4444

We provide expert guidance, compare multiple loan options, assist with government grants, and handle all the paperwork for a smooth approval process. Our team ensures you secure the best home loan tailored to your financial situation.

The approval process varies but typically takes between a few days to a few weeks, depending on lender requirements, financial documentation, and property valuation. Pre-approvals can speed up the process.

Yes, but options may be limited. Gold Group can help you explore alternative lenders and loan structures to improve your chances of approval while securing the most competitive terms available.

Timelines vary, but pre-approvals generally take a few days, while full approvals can take a few weeks, depending on lender requirements and your financial profile.

You can consolidate personal loans, credit cards, medical bills, store cards, and other high-interest debts into a single repayment. This allows you to simplify your finances and potentially lower your overall interest rate, making debt management more efficient.

If managing multiple debts is overwhelming, consolidation can simplify finances, reduce costs, and make repayments more manageable. However, it’s essential to consider factors like loan terms and fees to ensure it aligns with your long-term financial strategy.

Self-employed individuals, freelancers, and business owners who cannot provide traditional PAYG payslips or complete financial statements may qualify. Lenders assess income using alternative documentation, making it an ideal option for those with irregular earnings or cash flow variations.

Yes, if you’re self-employed and struggling with full-documentation requirements, refinancing to a Low Doc Loan can be a great solution. This allows you to secure better loan terms, consolidate debt, or free up cash flow, making it easier to manage repayments while running your business.

Lenders typically accept bank statements (showing income deposits for 6-12 months), Business Activity Statements (BAS), or an accountant’s declaration as proof of income. Some lenders may also request business financials, tax returns (if available), or a letter from a registered accountant confirming your earnings.