Cashback Offer

This special Cashback offer of $2,500* is specially designed for new lending with our great new flexible Simple Home Loan Plus!

What is refinancing?

Refinancing is simply replacing an existing loan facility with a new one. This means switching your current home loan with a new one. Depending on what works best for you and what offers are available, you can choose to refinance your home loan with your current lender or switch to a new lender. This move could help improve your financial position, with a mix of lower interest rates and fees, easier repayments terms and flexible loan features.

Why should I refinance my home loan?

More than ever, we are living in changing times. Consider how much your life has changed since you purchased your home.  Are your circumstances still the same or have they changed recently? Now is a good time to consider reviewing your home loan to consider if it’s still the best fit for your circumstances.

Here are some reasons refinancing may work for you:-

  • Choosing a loan with a lower rate could make a significant reduction to your monthly repayments leaving you with more disposable income
  • Consolidating multiple loans may help manage your monthly repayments and help you repay your debt sooner
  • Choosing a loan with flexible features such as an offset account, redraw facility or unlimited repayments can help you repay your home loan sooner
  • Your circumstances have changed and your loan doesn’t meet your needs
  • Bundling your banking services with one institution could save you in monthly fees
  • If your fixed term home loan is expiring, it may be a good time to explore your options. Shopping around for a new deal to lock in another rate or switching to a competitive variable rate could save you thousands.

Refinance with Dnister in 3 Easy Steps

Book an appointment with one of our Loan Specialists to:-

  • Discuss refinancing options that suit your lifestyle and budget, so you know if refinancing is right for you

Our Loan Specialist will guide you through the application process, you can help by:-

  • Providing the necessary documentation for each loan being refinanced
  • Once approved, review and sign your loan contract

Our Loan Specialist will guide you through the application process, you can help by:-

Enjoy your new home loan lifestyle:

  • Enjoy the benefits or your new loan’s features and benefits right away
  • If you’re eligible for a cash back offer, this will be provided after your loan has settled
  • Flexibility to manage your home loan though the Dnister Internet Banking and Mobile banking App

 

  • Minimum Loan Amount $200,000
  • Maximum term – 30 years
  • Introductory Variable 2 years
  • Available for new Residential Owner-Occupied Home Loans
  • Refinance from other institutions welcome
  • Flexible Options – Fixed / Variable on application
  • Same Day Preapproval (subject to sufficient information provided)
  • Great personalised customer service

Fore more details on Simple Home Loan Plus click here

 

  • This offer is exclusively available to members with an approved Simple Home Loan Plus Loan
  • All Simple Home Loan Plus applications are subject to our credit assessment criteria.

  • 100% Offset Facility => $100,000
  • Visa Debit Card Attached to Offset Account
  • Redraw Facility Available
  • Offset aligned with our Loyalty Fee Rebate Program

  • No Monthly Service Fee
  • $500 application fee waived
  • Annual fee applies – $395

Please click here to read the Target Market Determination for a Simple Home Loan Plus.

 

Contact our loan specialists

To discuss your home loan options or to apply, contact our lending specialists now.
Call 0499 399 393 | loans@dnister.com.au

 

Book an Appointment

 

 

 

General Advice Warning:
In providing you with this information you should consider the appropriateness of this advice with regard to your particular financial situation and needs. We advise that you carefully read our Product Disclosure Statement and Financial Services Guide before acquiring a product. To view full Terms and Conditions on this product please click here.
^Applications are subject to Dnister credit assessment criteria. Interest rates are subject to change without notice and should be verified with your local branch. Terms and conditions, including fees and charges, apply. For full details on our products and an analysis of your personal requirements, please arrange for an appointment with one of our friendly lending staff by contacting your local Dnister branch.
* This $2,500 cashback offer is available according to member eligibility for new owner-occupied home loan borrowings and refinances from other financial institutions outside of Dnister with a minimum loan amount of $200,000 under Dnister’s Simple Home Loan Plus product. The loan must be approved on or before 30th June 2023 and funded prior to 30th September 2023 unless otherwise agreed to by us. Lending must not exceed a loan to value ratio (LVR) of 80%, Net Disposable Income (NDI)>= 1.00, Net Income Surplus (NIS) >= $2,400 & Debt to Income (DTI) <=6. Offer Valid From 1st July 2022 till 30th June 2023.
1 WARNING : This comparison rate applies only to the example given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers or loan offset accounts, are not included in the comparison rate, but may influence the cost of the loan.