Refinancing

A loan that suited you a few years ago may not suit you now — and sometimes the answer is to stay where you are.

A refinance review looks at the rate, the structure, the features you actually use, and the real cost of moving.

Refinancing does not always save money

Exit and establishment costs, application and valuation fees, government charges, fixed-rate break costs, lenders mortgage insurance and resetting to a longer loan term can all reduce or reverse an apparent saving. A lower rate on a longer term can cost more in total interest.

Common reasons people review

A fixed period is ending
Consolidating other debts into the loan
Accessing equity for renovation or an investment
Wanting features the current loan does not have

Repayments

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The information provided on this website is general information only and does not take into account your objectives, financial situation or needs. Calculator results are estimates only and should not be relied upon as an offer or approval of credit. Lending criteria, fees, charges, interest rates and eligibility requirements may vary between lenders. Before making a decision, consider whether the information is appropriate for your circumstances and obtain professional advice where appropriate.