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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Sally Mackenzie
February 19, 2024
We chose Uno Home Loans from their impressive web site knowing we were going to find it hard, on many fronts, to qualify for a home loan. We were incredibly fortunate to be assigned Mike Parsons as right from the get-go, despite the complexities, he hit the ground running for us. He was incredibly knowledgeable, with years of experience but what was immediately apparent and impressive was that he was totally invested in getting us over the line, doing absolutely everything possible, including working around the clock. Despite it being a relatively small loan in the order of things, Mike never missed a beat, getting docs ready, following up and answering every request from the proposed funder immediately. He kept us informed on progress the minute anything happened, and again if anything needed to be done, he was right on it. In short, we highly recommend Uno, and Mike, knowing what a remarkable job he did, over many weeks, to get us our loan. He got us a great deal, with far better rates than we expected, so we couldn't be happier. In fact, without doubt, you'd be hard pressed to find a more personable, sharp, hard working, dedicated professional who clearly prides himself on getting his customers standout results.
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February 13, 2024
Scott and his team were just A-mazing. We felt supported through the whole process with the greatest quality and care. Every question answered right in time, or even before we asked. The process was smooth and we got the best outcomes we could have wished for.
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Angela Biddle
February 6, 2024
Our mortgage recently came up for renewal, and with interest rates skyrocketing we were looking for ways to minimise the impact. Michael and his team were proactive and attentive. Michael spent time with us to understand our circumstances. He found mortgage options that worked with our current financial situation and longer investment plans. He presented clear options, providing guidance where needed. He and his team were helpful and responsive - streamlining the process and keeping us updated through the negotiations. In the end, Uno did the heavy lifting and secured a significantly better rate than our current bank offered, all with friendly, personal service. We would highly recommend UNO Home Loans.
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Fotis Bikas
January 15, 2024
I cannot help but congratulate Scott Wilkinson of UNO Home Loans for being an absolute credit to both his company and the entire loans industry. Scott is a truly rare gem of a broker in that he will not only go the extra mile to achieve for each customer the very best deal, but his knowledge of all and sundry within the industry is unsurpassed (you will see what I mean if you speak to him). Additionally, Scott has a clear passion for imparting his wealth of information with each customer, whereas the conversation with most other brokers would simply be over if they could not get you the best deal. For me, Scott Wilkinson of UNO Home Loans stands head and shoulders above the competition and I feel privileged to benefit both from his expertise and professionalism whenever it is time for a refinance or new loan.
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Tomoharu Matsui
January 11, 2024
Michael Parsons helped me a lot when it's difficult to establish my capabilities in loan.
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Gillian Kearon
January 9, 2024
I highly recommend Mike Parsons as a mortgage broker. I couldn't fault the service provided by UNO. Thanks Mike!
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Taner T
December 20, 2023
Thank you Eren Tan for the amazing service and support. Our Loan was a little tricky and complex for other lenders but Eren managed to get it over the line in record time. His professionalism and dedication to our needs was exceptional. If you need a Loan no matter how complex your situation, make sure you contact Eren at UNO Home Loans.
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Karaipu Brown
December 20, 2023
Buying & selling a house at the same time is very stressful but Scott Wilkinson from UNO home loans made sure we knew what was happening & took most of the stress away. He always kept us up to date and if we had a concern or wanted clarification on something we were able to call him, if he didn’t know the answer straight away he will find out and contact us back.. now we are enjoying our new house and turning it into a home :)
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Chris Anderson
December 18, 2023
Just completed my first loan with UNO which was so much easier than with other other brokers I have used in the past. Our broker MIKE PARSONS always had time for me and broke things down for me in the simplest of terms and was very patient with my silly questions and my constant changing of plans. I wish I had used them in the past as I wouldn't be in the situation I'm in now. Can't recommend them highly enough. Thanks UNO and Thanks MIKE 😊
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December 11, 2023
To be able to recommend Scott Wilkinson for your mortgage broker was a privilege. We had deals fall through but Scott supported, guided and stuck with us, proper partnership. The whole team at UNO helped us and supported us right through to after settlement. Made sure everything was correct and how we are progressing. Communication was amazing and straightforward and easy to understand. Transparent. We can not Recommend Scott and the team as Uno high enough. Use UNO with confidence.
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December 6, 2023
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November 3, 2023
If you’re looking for a trustworthy, thorough, reliable & knowledgeable Mortgage Broker then you must call Anita Callaghan! I can’t even imagine how stressful this process would’ve been without her. Anita went above and beyond to make sure she answered every question, responded to every text (even on weekends/after hours), and followed up on every detail to ensure we had all the info we needed. Anita is a true people person who is warm, empathetic, kind and supportive. You can tell she loves helping people and loves what she does, which is probably why she’s so good at it! Can’t thank you enough Anita, or recommend you more highly! You’re the best!
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