Before you refinance: look beyond the rate
Fees, loan features and the remaining term all belong in the conversation.
Compare the whole loan
A lower rate is one part of a refinance decision. Compare switching costs, ongoing fees and the features you use.
Keep the term in view
Extending the term can reduce repayments while increasing total interest. Compare options over the same remaining term.
Ask before you switch
Check discharge fees and any fixed-rate break costs. Ask your current lender whether a review is possible.
Start a conversation
Bring your recent loan statement to a broker discussion. The right choice depends on your circumstances.