Time for a rethink?
A refix or change in circumstances is a good time to review your rate, lender and loan structure.
Contact UsStart with what you have.
Refixing and refinancing are different decisions. Refixing keeps the lending with your existing lender while selecting a new fixed term. Refinancing moves lending to another provider. Pinnacle Mortgages can compare the practical benefits, costs and trade-offs so the decision is based on more than an advertised rate.
Rather than starting with a particular bank or product, Pinnacle Mortgages looks at what you are trying to achieve, the strength of your application and which lending pathways may suit your circumstances.
Compare the options.
Review your current structure
We look at your loan balances, fixed-rate expiry dates, repayment setup and what you want the lending to achieve.
Compare staying versus moving
We can consider options with your current lender and whether another lender may offer a more suitable overall proposition.
Understand switching costs
Cashback repayment, legal costs, break costs and lender conditions can affect whether refinancing makes sense.
Restructure repayments
A review can also consider loan splits, fixed and floating portions, offset or revolving facilities where appropriate, and repayment frequency.
Top-ups and changing needs
If you need additional lending for renovations, investment or another purpose, we can consider that as part of the wider review.
Plan before your rate expires
Starting the conversation before a fixed term ends gives more time to understand the available options rather than making a rushed decision.
Switch with a plan.
Review
We gather your current loan details and understand what has changed.
Compare
We assess relevant refix and refinance options.
Explain
We outline costs, trade-offs and structure choices in plain language.
Apply if needed
If refinancing is suitable, we manage the new lender application.
Complete
We help coordinate the lending through documentation and settlement.
Look beyond the rate.
- Current interest rates and available fixed terms
- Remaining fixed periods and possible break costs
- Cashback obligations or incentives
- Legal and discharge costs when changing lenders
- Loan features you use or may need
- Your plans to sell, invest, renovate or repay faster
Lending criteria vary between providers and can change. Pinnacle Mortgages will explain the considerations relevant to your circumstances.