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With significant decreases in mortgage rates over the past twelve months, you could be paying too much.
Refinancing your mortgage is a useful tool to ensure you have the most effective solution and financial structure in place to suit your needs. With greater competition in the lending market, and the abolition of exit fees associated with mortgages, refinancing is much easier than in the past.
There are many good reason to consider refinancing.
The first and most obvious is to obtain a cheaper rate on your mortgage. This has obvious financial benefits, but should be considered holistically in line with your objectives.
Other reasons that you may look at to refinance is to unwind poorly structured loans in the past, obtain a better service, or even to secure approval to purchase a larger house or renovate and improve your existing home.