Refixing, Refinancing & Restructuring
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Independent, easy-to-understand advice to help you make confident financial decisions.
Refixing means locking in a new fixed interest rate with your current lender before your existing term ends.
Benefits:
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Lock in a good rate and avoid future increases
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Get better deals or cash incentives with our lender connections
Things to consider:
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Early refixing might include break fees
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Choose a term that suits your goals and comfort level
Refixing
Refinancing means moving your mortgage to a new lender with a better rate or loan features.
Benefits:
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Save money with lower interest rates
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Access new loan features like flexible payments or offset accounts
Things to consider:
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Some lenders charge exit fees
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You’ll need to go through a new loan application and valuation process
Refinancing
Restructuring means adjusting your existing mortgage to better fit your current financial situation.
Benefits:
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Can reduce short-term financial pressure
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Adjust repayments or switch between fixed and floating rates
Things to consider:
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May extend your loan term and increase total interest
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Best to get advice before making major changes
Restructuring
