Refinancing, upsizing, or downsizing are all about making your current housing situation fit your life and financial goals better. Refinancing means replacing your existing mortgage with a new one, usually to get a better interest rate, change your loan term, or tap into your home’s equity. It’s like giving your finances a tune up to save money or get more flexibility.
Upsizing is when you’re ready for a bigger place—maybe because your family’s growing or you just want more space. It usually involves selling your current home and using the equity you’ve built up to move into a larger one. It’s about finding a place that better suits your current needs and lifestyle. We can also look to see whether a bridging loan is suitable for your circumstances, this will provide the flexibility to purchase your next home before you have sold your current home.
On the flip side, downsizing is about scaling back—selling your current home to move into a smaller, more manageable space. This could be because the kids have flown the nest, you want to reduce expenses, or you simply want less upkeep. Downsizing can free up equity and reduce monthly costs, giving you more financial freedom.
Whether you’re refinancing to save money, upsizing for more space, or downsizing for simplicity, each move is a chance to align your housing situation with where you are in life and what you want for your future. It’s all about finding the right balance between your home and your lifestyle goals.
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Matthew D'Souza2024-06-09Sharon was a pleasure to work with! She was extremely professional and thorough, taking the time to understand our situation in order to provide us with the correct loan.
Tell M-p2024-04-26Artemis and Sharon provided a fantastic service. Couldn’t imagine getting a home loan without them. Truely enjoyed the whole process to get my first home loan. Having them on my side from the first strategy session to the post-settlement statement. Great service. Highly recommend.
Ian Gomez2024-04-18With access to dozens of lenders, Sharon and her team provide professional and personalised advice tailored to your specific needs. I highly recommend Artemis Finance to anyone considering either refinancing or buying their first home.👌👌👌
A. Mav.2024-04-16Very professional, fast and efficient. Always available and able to provide advice and guidance when needed. Even works and responds outside of office hours. Very friendly and approachable. Goes the extra mile to satisfy your needs. Very capable Very happy, would highly recommend Thank you Sharon I am very grateful and appreciate all your efforts to assist me in my endeavours. I felt supported and in good, trustworthy hands
Vee M2024-04-05Sharon was referred to us by our amazing Accountant, super glad we went with them. The Services was fantastic, communication was prompt and Sharon is very knowledgeable, professional and helpful. It took a couple of days for her to get us a SMSF loan approved. Would definitely recommend! Thanks Sharon
Linda2023-12-10I cannot speak highly enough of the exceptional service provided by Sharon. From start to finish, she demonstrated a great blend of professionalism and personability, guiding me through the complexities of the mortgage process with great expertise. Sharon's attention to detail, responsiveness, and dedication to securing the best possible product made my experience seamless and hassle-free. Without hesitation, I wholeheartedly recommend Sharon to anyone in search of a broker who consistently goes above and beyond for her clients. I look forward to having Sharon on my team again in the future!
Joel Ashby2023-08-01Sharon is one of the best. I’ve already recommended her to my friends and family.
Natasha Ulyanina2023-07-20Sharon is very professional, thank you very much! I highly recommend her!
When deciding between using a mortgage broker or going directly with a bank, it’s important to understand that your bank may not inform you about cheaper options from other banks or lenders that better suit your needs. A mortgage broker can offer a comprehensive comparison of available loans. Furthermore customer satisfaction surveys consistently rate mortgage brokers higher than bank managers. We manage the complexities of loan applications and deal with the banks on your behalf.
Our mortgage brokers are highly trained and experienced, specialising in personalised finance solutions. We conduct 6 monthly reviews to ensure your loan remains competitive, as banks can change rates after approval.
Our office is based in Sydney and we take pride in servicing clients across different states of Australia.
Yes, we look after many Australian Expatriate clients (Aussie Expats) residing outside of Australia such as Singapore, Hong Kong, United Kingdom, United States, Canada and Europe.
Generally preapprovals are valid from three to six months. If your preapproval expires before you secure a property, we can help in requesting an extension.
Yes, we have helped many clients access government grants and incentives available for first home buyers, including the First Home Owner Grant (FHOG) which provides financial assistance towards purchasing or building a new home.
The First Home Guarantee, Regional First Home Buyer Guarantee and Family Home Guarantee offer further support with a smaller deposit being required to purchase a home to live in. For property investors, there may be tax benefits and depreciation allowances. At Artemis Finance we can provide detailed information on these programs and how they can benefit you.
To qualify for a First Home Owners Grant or Stamp Duty Concession, each state sets specific requirements. These generally include verifying your citizenship or permanent residency status, ensuring the purchase price meets defined criteria, and confirming it’s your first home purchase.
Yes, certain properties may involve unique challenges when it comes to obtaining a mortgage such as high rise apartments, heritage listed properties or properties on limited or company title. These properties may require additional assessments, approvals or specific loan products. At Artemis Finance, we can help you navigate these complexities and connect you with lenders who specialise in financing these types of properties.
Your settlement costs can be categorised into three main parts: government fees & charges, legal fees & charges, and bank fees & charges. The exact amount will vary based on the purchase price of the property and other relevant factors, depending on the state that you purchase in.Typically we provide an estimate of these costs at preapproval so that you can plan accordingly. Then it will be updated once you find the right property to purchase. Our goal is to ensure you have a thorough understanding of the financial responsibilities associated with your property purchase.
We take pride in our responsiveness and efficiency. When it comes to securing your loan approval, we work at a pace that aligns with your comfort level while ensuring timely delivery. The standard settlement period ranges from four to six weeks. With our extensive experience, we are well versed in the necessary steps and timelines required for a successful outcome. We know exactly what needs to be done and involve the right professionals as required. As a trusted mortgage broker, you can have full confidence in our track record. We have a flawless record of never missing a settlement within our control or losing a deposit. This is what sets us apart.
Yes! Refinancing an existing mortgage can be a strategic financial decision to secure better interest rates, tap into home equity, or adjust loan terms to better suit your needs.As your mortgage broker, we will evaluate your current mortgage and financial situation thoroughly. We will explore the range of options available to you and provide guidance through the refinancing process. This could potentially lead to savings on your monthly payments, reduce the overall interest paid over the loan term, or help you achieve other financial objectives.
