Refinance with Burj
& Elevate Your Peace of Mind
"Refinance with Burj
& Elevate Your Peace of Mind
We have helped
120+
Reduce
Repayments
Are high mortgage repayments weighing you down? Explore options like a lower rate, debt consolidation, a longer loan term, and a better loan structure.
220+
Maximise
Borrowing
Our deep knowledge of lender policies and ability to structure your loan in a way that helps you unlock more borrowing power sets us apart from the competition.
100+
Maximise
Equity Access
Are you looking to maximise equity access from your home but not sure where to start? We can help you unlock more equity through refinancing.
More Loan Options
We tap into a vast lender network, unlike banks limited to their brand loans, ensuring the best fit for you.
Financial Optimisation
Rather than just focusing on loans, we streamline your finances to boost cash flow and expedite your home loan payoff.
Negotiate On Your Behalf
We actively monitor markets and lenders, seeking and securing better rates for you, even unsolicited.
Refinance When Needed
If your lender's terms aren't competitive, our team evaluates refinancing options and suggests the best route.
A Seamless Experience
Trust Burj Financial for the right mortgage aligned with Islamic values. With your data on hand, we ensure a smooth transition.
PEACE OF MIND
the Only Mortgage Monitoring Service
6 Reasons
Why People Choose Us
Free Pre-assessment
At Burj, we prioritize your credit. Before any application, we conduct an in-depth assessment, ensuring our 100% success rate. Your credit remains untouched.
Preferential Rates and Charges
Enjoy preferential rates and potential fee waivers through our network of Islamic Finance lenders.
Comparative Insights
Burj's expertise in Islamic finance, Australian regulations, and traditional lending means we offer advice perfectly suited to your needs.
Maximise Borrowing
We understand lending criteria deeply. With our guidance, you're positioned to borrow the maximum amount with confidence.
Tailored Financial Strategy
We tailor solutions to your unique financial situation, helping you borrow more when needed.
Expert Guidance
The mortgage world is intricate. With Burj, you have seasoned professionals guiding you every step of the way.
PEACE OF MIND
The Only Mortgage Monitoring Service
More Loan Options
We tap into a vast lender network, unlike banks limited to their brand loans, ensuring the best fit for you.
Financial Optimisation
Rather than just focusing on loans, we streamline your finances to boost cash flow and expedite home payoff.
Negotiate On Your Behalf
We actively monitor markets and lenders, seeking and securing better rates for you, even unsolicited.
Refinance When Needed
If your lender's terms aren't competitive, our team evaluates options and suggests the best route.
A Seamless Experience
With your data on hand, we ensure a smooth transition to the right mortgage aligned with Islamic values.
6 REASONS
Why People Choose Us
Free Pre-assessment
We prioritise your credit. Before any application, we conduct an in-depth assessment, ensuring our 100% success rate. Your credit remains untouched.
Preferential Rates
and Charges
Enjoy preferential rates and potential fee waivers through our network of Islamic Finance lenders.
Comparative Insights
Burj's expertise in Islamic finance, Australian regulations, and traditional lending means we offer advice perfectly suited to your needs.
Maximise Borrowing
We understand lending criteria deeply. With our guidance, you're positioned to borrow the maximum amount with confidence.
Tailored Financial Strategy
We tailor solutions to your unique financial situation, helping you borrow more when needed.
Expert Guidance
The mortgage world is intricate. With Burj, you have seasoned professionals guiding you every step of the way.
YOUR NEXT STEP
Take Control of Your Mortgage
Finding out more is quick and easy with a Free Finance Strategy Session during which:
You’ll get a clear understanding of your current loan situation compared to the current market (and how much you could save with simple refinancing and debt consolidation)
You’ll discover common financial structuring mistakes that cost homeowners thousands in overpaid fees and tax (and simple steps to avoid these costly pitfalls)
You’ll learn how to choose a mortgage that is tailored to your individual circumstances and goals (and how to prioritise rates vs. borrowing vs. equity access etc. and how right mortgage can help you achieve your financial goals faster).
You'll discover how to track your mortgage and seize the chance to lower rate charges, increase equity access, or maximise your borrowing potential.
You’ll explore ways how Burj can help you achieve your financial goals quickly by saving thousands in rates, tax, and fees, allowing you to pay off your home years sooner (or maximize your borrowing or equity access to build your property portfolio faster)
Rest assured this will not be a veiled sales presentation. On the contrary, you will receive expert, independent guidance relevant to your specific situation.
YOUR NEXT STEP
Take Control of Your Mortgage
Finding out more is quick and easy with a Free Finance Strategy Session during which:
You’ll get a clear understanding of your current loan situation compared to the current market (and how much you could save with simple refinancing and debt consolidation)
You’ll discover common financial structuring mistakes that cost homeowners thousands in overpaid rates, fees, and tax (and simple steps to avoid these costly pitfalls)
You’ll learn how to choose a mortgage that is tailored to your individual circumstances and goals (and how to prioritise rate vs. borrowing vs. equity access etc. and how right mortgage can help you achieve your financial goals faster).
You'll discover how to track your mortgage and seize the chance to lower rate charges, increase equity access, or maximise your borrowing potential.
You’ll explore ways how Burj can help you achieve your financial goals quickly by saving thousands in rates, tax, and fees, allowing you to pay off your home years sooner (or maximize your borrowing or equity access to build your property portfolio faster)
Rest assured this will not be a veiled sales presentation. On the contrary, you will receive expert, independent guidance relevant to your specific situation.
TESTIMONIALS
What People Have to Say
About Us
Farhan Effindi
" ... They helped us in sourcing a great and comprehensive deal for our first dream home. Hats off to their professionalism and work ethics, they are highly knowledgeable about the banking products & the offers and truly understand their client needs when it comes to getting a comprehensive deal ..."
Ibad Warsi
"... my previous mortgage broker really blocked me to buy anything Imran from Burj worked hard on my finances and got me approval to buy an investment without selling anything. Burj financial resolved all my queries quicker and in best possible manner which help me achieve my goal. I am now looking forward to increase my portfolio with their help ..."
Iqra Yasmine
"... stepped in with assurance when several brokers before had turned us away, stating our financial situation was too complex. Sheryar was not only efficient and professional but also genuinely approachable. With his expertise, we were able to secure one of the most competitive home loan deals in the market. Throughout the process, he was proactive, ensuring every one ..."
FREQUENTLY ASKED QUESTIONS
People Want to Know
1. Why should I use a Broker and not go to my Bank directly?
There are numerous reasons why people choose a broker over their bank. Some of the key reasons are highlighted below:
a) Preassessment of your loan application before submitting to the lender. This significantly reduces your chance of getting a decline on your credit file.
b) Brokers have access to multiple lenders and can almost always find a more suitable home loan than just one lender.
c) Brokers have the Best Interest Duty obligation by law that always ensure they look after your best interests.
2. How do you get paid, and will I have to pay any fees?
Our services are at no cost to you, as we get paid by the lender. However, sometimes we do have to charge for our services. If we are to charge for our services, we will let you know upfront.
3. My Bank said 'No', can I still get a home loan?
If your home loan application has been denied, there are steps you can take to try to improve your chances of getting approved: address any issues that led to the refusal, consider applying with a different lender, or work with a mortgage broker to find lenders that may be willing to work with you. A mortgage broker can help you identify lenders that may have more lenient requirements and can assist you in the home loan process.
4. How long will it take to get my loan approved?
The time it takes to get a home loan approved can vary and can take anywhere from a few days to several weeks. The length of time depends on the lender's workload and the complexity of the individual loan application.
To get a better idea of the timeline for your specific application, it's a good idea to speak with your Loan Panda Broker. They will be able to provide you with more information about the expected timeline for your application.
Burj is a specialised mortgage broking firm based in Hills District of Sydney. Helping homeowners and property investors grow their wealth faster.
Follow us
Infini Concepts Pty Ltd (ABN: 48 640 941 279) trades under ASIC Credit License: 556407
*All applications subject to assessment and lender approval
This site is not part of the Facebook website or Facebook Inc. Additionally, This site is NOT endorsed by Facebook in any way. FACEBOOK is a trademark of FACEBOOK, Inc.
Testimonials
What People Have to Say About Us
" ... They helped us in sourcing a great and comprehensive deal for our first dream home. Hats off to their professionalism and work ethics, they are highly knowledgeable about the banking products & the offers and truly understand their client needs when it comes to getting a comprehensive deal ..."
Farhan Effindi
"... my previous mortgage broker really blocked me to buy anything Imran from Burj worked hard on my finances and got me approval to buy an investment without selling anything. Burj financial resolved all my queries quicker and in best possible manner which help me achieve my goal. I am now looking forward to increase my portfolio with their help ..."
Ibad Warsi
"... stepped in with assurance when several brokers before had turned us away, stating our financial situation was too complex. Sheryar was not only efficient and professional but also genuinely approachable. With his expertise, we were able to secure one of the most competitive home loan deals in the market. Throughout the process, he was proactive, ensuring every one ..."
Iqra Yasmine
FREQUENTLY ASKED QUESTIONS
People Typically Want to Know
How do I know if refinancing is right for me?
When contemplating the decision to refinance, it's essential to weigh multiple factors to determine if it's the right move for you. Here are some pivotal considerations:
Current Interest Rate: Reflect on the rate you secured when you first took out your mortgage. If the market rates have shifted favorably since then, refinancing could be a strategic move to reduce your monthly outgoings.
Credit Standing: Has your credit score seen an uptick since you initiated your current mortgage? An enhanced credit score can position you favorably to secure a more competitive rate when refinancing.
Property Appreciation: If the market value of your property has surged since your initial mortgage, this could open doors to tap into the increased equity. Additionally, a higher property value paired with a consistent loan amount can lead to a more favorable Loan-to-Value (LVR) ratio, potentially qualifying you for better rates.
It's paramount to holistically evaluate these aspects, among others, before finalising your decision to refinance.For a more tailored insight and guidance, connect with a Burj Broker. We're here to assist you in making informed choices that align with your financial aspirations.
What are the benefits of refinancing?
Refinancing your mortgage within the framework of Islamic financing can present several Shariah-compliant advantages:
Reduced Monthly Payments: By transitioning to a more favorable Ijarah or Murabaha contract, you might be able to achieve lower monthly commitments, enhancing your financial flexibility.
Accessing Home Equity: As you've consistently honored your financial commitments and possibly witnessed property appreciation, you've likely built significant equity in your home. Islamic refinancing can offer a Shariah-compliant method to access this equity, providing you with funds for purposes like home renovations or as a deposit for your next property, all while adhering to Islamic principles.
For a deeper understanding tailored to your unique circumstances, we recommend consulting with a Burj Broker. We're dedicated to guiding you through the intricacies of Islamic financing, ensuring your decisions remain in harmony with your beliefs.
How long does the refinancing process take?
The time it takes to refinance a home loan can vary depending on several factors, including: the lender you choose, complexity of your financial situation etc. In general, the refinancing process can take anywhere from a few days to a few weeks.
Speak to a Burj Broker to find out how long will it take to refinance your home loan.
What documents do I need to provide to refinance my mortgage?
To refinance your mortgage, you will typically need to provide the following documents:
1. Proof of Identity (Passport, Drivers License)
2. Proof of income (payslips, tax returns)
3. Your current mortgage statement
4. Proof of debts (personal loan statements)
Depending on your lender, you may be required to provide additional documentation.
Speak to a Burj Broker to find out what information will be required for your refinance.
How much does it cost to refinance my mortgage?
Some common costs associated with refinancing a mortgage include:
Legal fees: You may need to pay legal fees for a lawyer or conveyancer to review the refinancing documents and assist with the transfer of the mortgage to the new lender.
Valuation fees: Your new lender may require a property valuation to determine the value of the property you are using as collateral for the loan. This fee can vary depending on the location and type of property. Typically, this fee is waived by most lenders.
Discharge fees: Your current lender may charge a fee to discharge the mortgage from your property and transfer it to the new lender.
Lender's mortgage insurance (LMI): This is a type of insurance that some lenders may require if you are refinancing to a loan with greater than 80% loan-to-value ratio (LVR). The cost of LMI can vary depending on the size of your loan and the LVR.
A lot of lenders offer cashback of up to $5,000 to cover for any refinancing costs.
Speak to a Burj Broker to find out which Lender Offers you qualify for.
How do I choose the best refinance mortgage lender for my needs?
Here are some tips to consider when looking for a lender to Refinance your mortgage:
1. Consider your long-term financial goals: Think about your long-term financial goals and how the home loan refinance will fit into those plans. For example, if you're planning to sell your home in the near future, it may not make sense to pay for a lengthy refinance process.
2. Do your research: It's important to compare offers from multiple lenders to ensure you're getting the right deal for your circumstances. You can use websites like Canstar, RateCity, and Finder to compare rates from a variety of lenders.
3. Check for additional benefits: Some lenders may offer additional benefits, such as fee waivers, cashback offers, or other perks. These can be a good option if you're looking for additional value.
4. Check for lender-specific requirements: Some lenders may have specific requirements for refinancing, such as a minimum credit score or a minimum amount of equity in your home etc. Make sure you understand any requirements before you apply for a loan or avoid any loan declines on your credit file.
Speak to a Loan Panda Mortgage Broker to get more information and help you make a decision that's right for you
Burj is a specialised mortgage broking firm based in Hills District of Sydney. Helping homeowners and property investors grow their wealth faster.
Follow us
Infini Concepts Pty Ltd (ABN: 48 640 941 279) trades under ASIC Credit License: 556407
*All applications subject to assessment and lender approval.
This site is not part of the Facebook website or Facebook Inc. Additionally, This site is NOT endorsed by Facebook in any way. FACEBOOK is a trademark of FACEBOOK, Inc.