Hi, I’m Chris - thanks for visiting.If you’re here, you’re probably looking into refinancing.
But not just for the sake of a “better rate.”Most people who come to me want something more practical:
- Borrow extra for renovations
- Consolidate debts to simplify life
- Improve monthly cashflow
- Release equity for personal goals
- Restructure their finances properly
- Or finally get advice from someone who sees the whole picture, not just one bankAnd here’s the part most people don’t realise:
Every lender treats these scenarios completely differently.Some welcome cash-out.
Some restrict it.
Some allow debt consolidation.
Some don’t.
Some accept recent job changes.
Some decline immediately.
Some are generous with borrowing capacity.
Some are incredibly conservative.So if you’ve been told “no,” or you’re unsure what’s actually possible - it may simply be that the wrong lender was looking at your situation.My job is to show you what’s possible across more than 60 lenders, so you can make the right decision for your own financial goals.On a quick strategy call, I’ll walk you through:
- How much extra you can realistically borrow
- Whether debt consolidation will improve your cashflow
- If refinancing will put you in a stronger position
- What structures are safest for your situation
- Whether your job change affects anything
- Which lenders are actually suitable for what you’re trying to do
- Whether a refinance makes financial sense - or if you’re better off staying putThere’s no pressure and no obligation - and nothing I do affects your credit score.
It’s simply a practical conversation to give you clarity before you make any moves.If you want someone to run your numbers across the lenders who are actually a fit for your goals, I’d be happy to help.You can book a Refinance Strategy Call below.Cheers,
Chris Godwin
Godwin Finance
0420 908 218