Refinancing or Restructuring
What we do
Your loan should be working as hard as you are.
We review what you’ve got and rebuild it around your current situation. Rates have moved, life has changed, and the structure that made sense when you bought probably doesn’t reflect where you are now. Whether you’re rolling off a fixed term, thinking about switching lenders, or looking to access equity, we go through it properly and tell you honestly what’s worth doing.
Review your situation
We look at your current lending, what you’d gain from changing it, and whether the numbers actually stack up. That includes the rate you’re on, any break fees, cashback available, and whether the structure still fits your situation. We tell you honestly whether it’s worth movi
Find the right lender
We match you to the lender whose deal stacks up for your situation. Cashback amounts, rates, structure flexibility and clawback conditions vary significantly between lenders and change often. We stay across the current market so you don’t have to.
Run the application
We manage the refinancing application end to end. Documentation, lender communication, valuation, and coordinating with your solicitor to discharge the old mortgage and register the new one. We handle the moving parts so settlement goes through cleanly.
Determine loan structure
We determine the right loan structure for where you are now and what you’re planning next. Fixed, floating, split — we work through the options and set it up properly. Getting the structure right matters as much as the rate.
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Refinancing or Restructuring
Frequently asked questions
Is it worth switching lenders for a cashback?
Sometimes, but not always. Cashbacks need to be weighed against break fees, legal costs and whether the new rate actually saves you money over time. We run the numbers so you can make an informed call rather than chasing a headline figure.
What does split banking actually mean?
Split banking means holding your lending across more than one lender, or splitting your loan between fixed and floating with the same lender. It can give you more flexibility, better rates on different portions, and reduces your exposure to any one lender’s appetite or policy changes.
Will refinancing affect my credit score?
Every credit application leaves a footprint. We’re selective about where we go — we don’t shotgun applications across multiple lenders. We identify the right lender for your situation before anything is submitted.
How long does refinancing take?
From first conversation to lender approval is usually two to three weeks, depending on how quickly documentation comes together. Legal settlement takes a further one to two weeks on top of that. Allow four to six weeks in total. We give you a realistic timeline at the first call.
What if I'm mid fixed term — can I still refinance?
Yes, but there may be break costs. The break cost depends on where interest rates have moved and how much time is left on the term. We calculate it alongside any cashback offer from the new lender so you can see whether the move is net positive before committing to anything.
Let’s Chat
Start with a Conversation.
A free 30-minute call. Tell us where you are and what you’re trying to do, and we’ll tell you honestly whether we can help and what the path looks like.
We reply within one business day. Your details are private and used only to respond to your enquiry.