Refix: Renew Your Rate with Purpose
When your fixed term is about to end, refixing is your chance to secure a new fixed rate with your existing lender. Beyond locking in predictable repayments and guarding against potential rate hikes, it’s also an ideal moment to revisit your loan’s structure.
Prime Wealth will help you identify whether a shorter or longer term fits your goals, guide you through locking in a new rate early, and ensure every detail—like avoiding higher floating rates—is handled with care.
Why Timing Your Refix Matters?
Most lenders let you refix 30 to 60 days before your term ends, which can make all the difference if interest rates are trending upward. Acting promptly often secures a lower rate, and Prime Wealth keeps an eye on market movements so you don’t have to.
If you decide to adjust your repayments—maybe by paying a little extra each month—refixing is a natural time to implement those changes and save significantly on interest over the life of your mortgage.
Looking over your mortgage—or making a move to a different lender—can potentially save you thousands in interest, plus give you access to extra cashback when it counts.
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Refinancing: A Fresh Look at Your Mortgage
Refinancing involves moving your mortgage to a new lender for potentially better rates or loan features. You might want to reduce interest costs, access home equity for renovations, or consolidate high-interest debts.
Prime Wealth compares multiple lenders on your behalf, weighs the costs of switching (like break fees or legal expenses), and finds an option aligned with your long-term plans. This thorough approach ensures that any move you make genuinely supports your financial health.
How Prime Wealth Simplifies Refixing and Refinancing?
Whether you choose to stay with your current lender or explore new options, Prime Wealth’s expertise makes the process smoother.
We handle negotiations, manage the paperwork, and advise on loan structure strategies—like splitting your loan into different terms or using offset accounts. By personalizing every recommendation, we help you confidently renew or reshape your mortgage so it continues to serve your evolving needs.
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Have a question about mortgages or financial planning? Reach out to our advisers, and we’ll get back to you within 24 hours to help you move forward with confidence.
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