• NEED HELP WITH YOUR BANK?
• YOUR BANK SAYS NO!
• NEED A LOWER RATE?
• REFINANCING?

NEED HELP WITH YOUR BANK?
Typically, you will either:
• Wish to leave your bank/lender or
• Stay with same lender with better pricing and/or conditions. (Wherever possible, we seek to work out a solution with your existing lender to avoid the refinancing costs).
Whatever option is best for you, Harzed Finance is very well placed to assist you.
In both cases, we will be looking to negotiate for you, including:
Lower Margins - this is an area of greatest conflict between you and your lender. Your lender wants the highest margin to boost its profitability, whereas you are seeking the lowest margin to reduce your funding costs. Be assured that Harzed Finance is your lending partner and will negotiate hard to secure for you the lowest funding costs.
Reduce Property Security - In many cases, your lender has more security than is required to secure a loan. Harzed Finance will always seek to negotiate minimal security to any lender and allow you the peace of mind with excess title deeds in your hands.
Renegotiate Terms and Conditions - In addition to extracting from you the highest possible interest rate margin, your lender will usually also look to include in your loan approval terms and conditions to ensure that it has lent its money to you at the lowest possible risk. Whilst we respect the lender's position here, Harzed Finance will negotiate to secure terms and conditions that will serve you well over the term of the loan, that can sometimes be many years

YOUR BANK SAYS NO!
Don't feel disappointed if your Bank does not approve your loan on the basis that you do not meet their standard lending guidelines.
Unlike your Bank, Harzed Finance has a range of Lenders that may better meet your particular needs and requirements.
Our client base includes multi millionaires that were rejected by their bank. These clients now say that they are happy that they were rejected by their Banks, otherwise they may not have become millionaires.

NEED A LOWER RATE?
Interest Margins are an area greatest conflict between you and your lender. Your Lender wants the highest margin to boost its profitability, whereas you are seeking the lowest margin.
Be assured that Harzed Finance is your partner and well placed to negotiate hard for you.

REFINANCING?
Where possible, Harzed Finance will always work hard for you to stay with your existing lender to avoid expensive refinance costs.
However, where refinancing becomes necessary, we will work hard to negotiate for you, including:
Lower Margins - this is an area of greatest conflict between you and your lender. Your lender wants the highest margin to boost its profitability, whereas you are seeking the lowest margin. Be assured that Harzed Finance is your lending partner and will negotiate hard to secure for you the lowest funding costs.
Reduce Property Security - In many cases, your lender has more security than is required to secure a loan. Harzed Finance will always seek to negotiate minimal security to any lender and allow you the peace of mind with excess title deeds in your hands.
Renegotiate Terms and Conditions - In addition to extracting from you the highest possible interest rate margin, your lender will usually also look to include in your loan approval tems and conditions to ensure that it has lend its money to you at the lowest possible risk. Whilst we respect the lender's position here, Harzed Finance will negotiate to secure terms and conditions that will serve you well over the term of the loan that can sometimes be many years.