Refinancing

Paying your loan on time but failing a new lender’s serviceability test? Here’s why it happens and the refinance options still open to you.

Your loan keeps running when a lender closes to new business, but top-ups and changes may not. What to check and when.

Refinancing an investment loan brings different pricing, serviceability and tax questions. What to know before you switch.

Falling values have pushed some loans back above 80% LVR. What changes when you refinance with less than 20% equity.

What happens to your credit file when you apply to refinance with more than one lender, and how to avoid unnecessary hits.

Two separate charges can apply when you leave a loan early. Here’s what each one actually covers.

What changes when you switch loans within your own bank instead of refinancing to a new lender, and what to check first.

Missing paperwork is the biggest reason refinances stall. Here’s the document checklist that keeps an application moving.

Refinancing looks straightforward on the surface. Find a lower rate, submit an application, let the new lender take over the debt. In practice, the lender you’re refinancing to assesses you…