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Refinance Now.

No, refinancing won’t always result in repayments that are lower than your current repayments. What it will do is allow you to shop around and find the best rates and lowest repayments for your current situation in your next loan term.

Switching banks isn't always necessary. You can keep your current direct debits (like power, internet, subscriptions) with your existing bank and set up a transfer from your new bank to your old one. This way, you enjoy the benefits of refinancing without the hassle of changing everything.

We aim to turnaround your application within 2-3 weeks from the time we have obtained required information from you. However, depending on your situation, this can take longer as timings can vary depending on how unique your situation is. Our adviser will inform you of the estimated turnaround at the time of application.

Break fees depend on your specific situation, like how much time is left on your fixed term and the difference between your fixed interest rate and current market rates. Our advisers will confirm any fees before you proceed. Sometimes, break fees are lower or higher than expected, so it's beneficial to have an adviser check this for you and suggest ways to manage these fees.

This can be due to a variety of internal bank reasons, however we often find that a client’s existing bank can be limited to their own internal costs of funding, and may not be able to offer as competitive rates as other providers at that moment in time.This is where we find our advisers can prove their value and access other lenders to help sharpen interest rates to ensure our clients are getting the best possible, and most competitive interest rates available in the market for their current situation.

There are often conditions that lenders place on any cashbacks received when refinancing. These are often lender specific but could include timeframe commitments where if you were to move to another provider you would be required to return the cashback amount in full or in part. A good mortgage adviser will outline any conditions placed by lenders on cashback options.

Not everyone should refinance but they should shop around and make sure that they are getting the best rates and payment terms for them and their families.

Refinancing can be quick! It typically takes about 2-3 weeks from the time you fill out a form and get matched with an adviser to the final settlement. We'll keep you updated every step of the way.

Our advisers make this as steamlined as possible. First of all, our advisers can apply to many lenders at the same time on your behalf, so you do not need to be in contact or visit any branch, until you have selected which bank or lender you would like to proceed with. From this point, it will depend on which lender you have chosen. Some lenders require you to visit them in person, and others can complete all verification and account set up remotely. Our advisers can let you know about this in advance if you require it.