Services · Refixing / refinancing
Refixing & refinancing made clear
When your fixed term is ending, we can help you review your current loan, available rates, fees and loan structure so you can understand your refixing and refinancing options.
Refix or refinance?
Refixing keeps your loan with your current lender on a new interest rate and term. Refinancing involves moving some or all of your lending to another lender.
We can help you compare the available options, including relevant fees and break costs, based on your circumstances and goals.
Rate review
Review available interest rates and loan options before your current fixed term ends.
Break-cost clarity
We help you understand any early repayment, break or switching costs that may apply before you decide whether to refix, refinance or restructure.
Loan structure review
Review loan terms, repayment options and available features such as offset or revolving credit where relevant to your circumstances.
Timed reminders
Plan ahead of fixed-term expiry dates so you have time to review your available options.
Important to consider
Refinancing or restructuring may involve break costs, lender fees, legal costs or other charges.
A lower interest rate does not always mean a lower overall cost. We consider the relevant costs, loan features and your circumstances before making a recommendation.