My fixed rate is rolling off
A better deal on the loan you already have.
Loans drift. The rate that was sharp three years ago is rarely sharp today, and the structure that suited you then may not suit you now. A refinance review costs you an hour and quite often pays for itself many times over.
Talk to an Adviser
How a refix or a switch runs
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01
Where you are now
Balances, rates, expiry dates and any break costs, laid out on one page so the starting point is clear.
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02
What the market will do
We price your position across lenders, including cash contributions, which vary from bank to bank.
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03
The honest comparison
Savings set against break fees, legal costs and clawback periods, so the decision is made on the net number.
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04
The switch
Application, valuation and solicitor coordinated, with the loan structured properly rather than simply copied across.
What a refinance review actually involves
- Your latest loan statements and current rates
- The dates your fixed terms expire
- A recent rates notice for the property
- Three months of bank statements
- Your current financial position — this is what matters most
A roll-off letter is not an offer. It is the bank's opening position, and it is the one moment in the life of the loan where you hold real leverage.
Refinance, answered
Sometimes. Break costs can be small when rates have moved in your favour, and a cash contribution can cover them. We do the arithmetic before you commit to anything.
Lenders offering cash contributions usually require you to stay three to four years. Leave early and a portion is repayable, so it has to be part of the comparison. Separately, if you move banks again within twenty-four to twenty-seven months, an adviser clawback may also apply — we will walk you through how that works before you make the switch.
Not always. Many lenders rely on automated estimates when there is comfortable equity, which saves both the fee and the wait.
Usually quicker than people expect. Exact time frames depend on each bank’s appetite at the time, and we will give you a realistic estimate once we know which lender suits you best.
