3 refinancing secrets that get you special pricing from lenders they never disclose publicly

How a Sydney executive refinanced her multi-million dollar portfolio and locked in the absolute best 5 year deal.

Are you a 6 figure income earner or have a portfolio of properties that you’re thinking of refinancing? If so, then you’ll want to hear Emma’s story about how she locked in the absolute best home loan deal from lenders at a rate they never advertise publicly. Emma is the Chief Operating Officer of a thriving tech company. As a successful executive with a high disposable income, her and husband amassed a diverse multimillion dollar property portfolio. And recently they discovered a rare Sydney historic home on offer for $4.4m that they wanted to make their family home. But they needed to move fast because it wouldn’t stay on the market for long. With multiple properties in their portfolio – one of them a block of units all with different structures and terms – Emma knew standard service models with brokers and banks wouldn’t help. In the past, even private bankers were unable to provide the kind of deep, rich advice they sought. So they searched for a broker that could do three things. First, they needed a broker that truly understood their complex situation. Second, they needed to refinance and identify the best loan in the market, inclusive of all fees. Finally, to weather any storms in the economy over the next 5-10 years, they needed the best advice on how to structure their portfolio. Fortunately they found the perfect broker who made their dream a reality with the best home loan deal. Result: They snapped up their Sydney mansion home at a price they’re happy with. They also refinanced their debt and locked in special pricing for 5 years. And they’re nicely positioned to potentially lock in capital gain. How did they lock in special pricing for 5 years? And what can you learn from their experience if you’re a high income earner or have amassed a diverse investment portfolio that you’re thinking of refinancing?

Don’t just go after the lowest interest rate – structure your portfolio correctly.

Emma owned three properties she needed to refinance. One property was in a semi-renovated state. Another, as you know, a full block of units. All the units had different different tenancies and different banks. All had different finance structures, too (some loans were interest only, others were principal and interest). Emma needed a broker who looked at her portfolio holistically to ensure:

  1. An optimal portfolio return overall
  2. The refinance provided continuity of taxation records
  3. Left her with maximum cash available for future investments https://unohomeloans.wistia.com/medias/v42eqd4uxh?embedType=async&videoFoam=true&videoWidth=450

Begin with the end in mind

Talk with your partner and get on the same page about your goals and dreams. Prepare all your financial and verification documents because they’ll give you leverage to negotiate a better deal. But don’t just focus on the interest rate. Speak to your advisor about how to balance your portfolio and minimise risk. In Emma’s case, the RBA were talking a lot about the heated property market so her advisor mapped out a plan if the market cools off. Need a home loan?UNO. The new way to get a better deal. Get Started

Find the best broker you can to get you the best home loan deal

Not all brokers are created equal, so it’s important to identify a great broker. Thankfully there’s a simple question you can ask that instantly separates the best from the pack. Next time you’re chatting to a broker ask this question: “How often have you negotiated special pricing?” The answer you’re looking for is “oh, that was something that we did last week?” Another answer you want is “that’s something we do regularly.”Bonus tip: Keep brokers honest by probing for specifics into a deal. Ask about the loan amount… find out about the terms… uncover precisely how they locked in the best rate. Then sit back and listen. Or, if you want to save time, you can book a call with our customer care team today. Because the individuals in this team are not paid a sales commission it means there’s no hidden agenda. Rather, they’re rewarded based on customer satisfaction. To speak to the team just go here.Book a call in with UNO

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Tian Liu provided exceptional service throughout the entire process. His professionalism and keen attention to detail were evident from the start. Tian consistently kept us informed and offered insightful advice that made us feel confident in our decisions. He truly cares about his clients and works tirelessly to ensure the best possible outcome. We couldn't be happier with his assistance and highly recommend Tian to anyone looking for a trustworthy and knowledgeable broker.
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I am so thankful and grateful to have Scott Wilkinson as my broker. He not only looked after me every step from start to finish he gave me confidence and I was able to trust him and his expertise. My children and I are now happy in our new home and very appreciative of Scott's help. I will definitely be only having Scott as my broker from here onward as there is no mucking around and straightforward answers. Thanks again
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I am writing this summary in support of recommending Mike Parsons as a Mortgage Broker. At the time of writing this, I have known Mike for 4 years and he has executed 4 mortgages deals for me (including 2 refinances) over that time. Mike has provided me incredible service as a mortgage broker as follows : - Works painstakingly on getting the scenarios together to provide you options that optimize your position. - Works inordinate hours on the detail necessary to support the scenarios. - Mike keeps you updated on the status and progress of the applications and also helps you work through answering questions and any complexities that may arise. -In my cases, given the complexities and timings of my situations , these application processes would take many weeks to finalize . Mike never gave anything other than utter commitment and focus to getting the job done. Mike acts as a true business partner throughout this whole broker /mortgage journey. I simply would only go to Mike for any future dealings on getting a loan from a bank (and as will my kids in the future !) . There is no way a bank (I have seen anyway) would provide this kind of time nor service to a customer. You can rest assured that once Mike has done the deal, you have ended up with the most optimized position taking into account all the variables/scenarios in play. Scott Hutchinson
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Jason Seam
August 5, 2024
I've worked with Scott Wilkinson for my last 2 properties and he's been excellent. He sourced multiple options and didn't push a specific bank, tailoring his recommendations to me based on my requirements. I was specifically requesting a "medico loan" and Scott could navigate that extra requirement with expertise. When I was initially working with Scott, I was also trialling 2 other brokers and neither of those 2 had the same breadth of lenders, or could provide the same deals. I've referred multiple buyers to Scott and his team; one of them said to me after working with him, "how'd you find this guy, he's so good compared to all the other broker's I've worked with!" I'm going into my next purchase with Scott as my broker partner again. I recommend him to everyone
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July 29, 2024
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