Kandid Loans

  Are you a Sydney homeowner looking to free up some extra cash or reduce your monthly repayments? Refinancing your home loan could be the smart move you’ve been waiting for. At Kandid Loans , we help you make the most of your mortgage by finding competitive refinance options that suit your financial goals and lifestyle. Whether you want to lower your interest rate , access your home equity , or consolidate debt , refinancing can open the door to new financial opportunities. What Does Refinancing Mean? Refinancing simply means replacing your existing mortgage with a new one — ideally with better terms. This could mean switching lenders or renegotiating your current loan for a lower rate, shorter term, or flexible repayment options. When done right, refinancing can help you: ✅ Reduce your interest rate and monthly repayments ✅ Unlock extra funds for renovations, investments, or personal goals ✅ Consolidate high-interest debts into one manageable payment ✅ Access equity that’...

  Buying your first home is an exciting milestone, but it can also feel overwhelming. From navigating home loan interest rates Australia to understanding government schemes, there’s a lot to consider. That’s where Kandid Loans , an independent mortgage broker Sydney , can guide you through the process and help make your dream of owning a home a reality. 1. Understand Government Schemes for First Home Buyers Australia offers several programs to support first-time buyers, including the First Home Buyers Scheme and the First Home Loan Deposit Scheme . These initiatives can make it easier to enter the property market by reducing deposit requirements and providing other financial benefits. First Home Buyers Scheme : Provides grants or financial assistance to eligible buyers. First Home Loan Deposit Scheme : Allows first-time buyers to purchase a home with as little as 5% deposit, without paying lender’s mortgage insurance in certain cases. By leveraging these schemes, you can signifi...