Frequently Asked Questions
Who is Refocus Financial Services?
Refocus Financial Services is a provider of Financial Services within the Australian Finance sector, offering a wide range of Lending products.
Refocus Financial Services is a full member of Mortgage Industry Association of Australia (MIAA), and Credit Ombudsman Service Limited (COSL), evidencing our commitment to ethical behaviour in Finance.
What services can Refocus Financial Services provide me?
Refocus Financial Services offer a full range of Finance options for housing, investment, business, and commercial. Whether you are a first home buyer looking to purchase your first property, or an experienced property developer, we offer products and services to suit your special requirements.
Why should I select Refocus Financial Services to assist me?
Refocus Financial Services utilises state of the art software that is provided by Australian Finance Group (AFG), Australia’s largest aggregator, to search the loan options of over 30 lenders. The experience of our manager (Michael Butler) ensures that your requirements are matched with these competitive loan offerings to provide an attractive solution to your finance needs.
Why Use a broker
Financing your home is now a complicated business. Why not do it with the help of an expert?
It’s not that long ago that the only real choice confronting homebuyers was which bank to borrow from. For most people that wasn’t really a choice at all – you went to the people you’d always banked with.
But over the last few years, things have changed. New lenders have burst onto the scene, offering many new types of loans. But who has the time to sort through all the options?
A good broker can help you to understand the various deals that are on offer, explaining the features and details that can make big differences to your repayments.
Your broker will also lodge your application and will even chase your application with the lender. So your broker is more than your advisor, he is your single point of contact for the whole process. Using a mortgage broker can result in substantial savings in time and money but it‘s important to choose the right one.
Is there a fee for the service?
Our service to you is free. We earn commission from the lender that you choose. All our commissions are fully disclosed to you.
Which lenders does Refocus work with?
Our panel is made up of 30 different home lenders, each of which has been chosen for their leading loan products and ongoing service levels.
How much can I borrow?
We understand that the ‘how much’ question is on the top of most people’s lists. With few details, we can quickly find out which lenders will let you borrow the money you want.
Using our specialist software, we can help you compare the loan products of 30 different lenders, quickly and easily. We will tell you about the loans that are right for your needs. We’ll review the details of each loan with you and help you choose the one that’s right for you.
We’ll explain clearly in plain English all the features and costs of the chosen loan and tell you how much the repayments will be.
So, how does Refocus find the right loan for you?
After discussing your situation and what you are looking for, Michael will help you to compare the loans available to find the one that will suit you best.
What qualifications does Michael have?
Michael is a fully qualified and trained mortgage professional. He undertakes mandatory training, and maintains MIAA (Mortgage Industry Association of Australia) accreditation.
Who does the paperwork?
We will help you complete the loan application form. We will professionally package your application with all the supporting evidence and lodge it with your chosen lender.
Do I have to chase the lender or do you do that?
We’ll take the hassle out of the application process by managing it on your behalf, right through to settlement. We will help you with any questions that you may have and, if there are any problems, we’ll chase up the lender for you.
What happens with my personal information?
Our Privacy Policy ensures that any personal information collected by us will be used only for the purpose indicated. We will not give your personal information to other organisations for their marketing purposes.