Lower Your Rates, Simplify Your Loans

Overview

Your financial situation doesn’t stay the same—and neither should your loan. At Ebony Finance, we help clients review their current lending, identify opportunities to save money, and structure debts in a smarter way. Whether you want a better interest rate, more flexible features, or to roll multiple debts into one manageable payment, we make refinancing simple and stress-free.

When Refinancing Can Help

✅ Lower Your Interest Rate – Switch to a more competitive lender and save on repayments.
✅ Access Equity – Release funds from your property for renovations, investments, or personal needs.
✅ Debt Consolidation – Combine multiple debts (credit cards, personal loans) into one easy repayment.
✅ Better Loan Features – Offset accounts, redraw facilities, and flexible repayment options.
 

Why Choose Ebony Finance

✅ Comprehensive Loan Review – We compare your current loan against the market.
✅ Tailored Strategies – Solutions designed to fit your personal goals and lifestyle.
✅ Debt Simplification – Consolidating repayments to reduce stress and improve cash flow.
✅⏳ Ongoing Support – We continue to review your loan to keep you ahead.
 

Step-by-Step Process

1. Review Your Current Loan – Assess your existing loan, repayments, and features.
2. Identify Opportunities – Compare alternatives across a wide panel of lenders.
3. Recommendation & Application – Present the best-fit solution and handle the paperwork.
4. Approval & Settlement – Manage the transition to your new lender seamlessly.
5. Future Check-ins – Regular loan reviews to ensure you always stay competitive.
    

FAQs

Q: How much can I save by refinancing?
It depends on your loan size and rate. Even a 0.5% reduction can save thousands over the life of your loan.

Q: Will refinancing affect my credit score?
Not significantly. A new enquiry will appear on your file, but a well-managed refinance can actually improve your credit health in the long run.

Q: Can I consolidate credit card and personal loan debts into my mortgage?
Yes, provided you have enough equity in your property and meet lender criteria.