0800 273 376
Your mortgage is one of the biggest financial commitments you’ll ever make, so it’s important that it continues to work in your favour as your life and financial goals evolve. Mortgage refinancing allows you to review your current loan and switch to a new one that better suits your needs—whether that means lowering your repayments, accessing equity, or gaining more flexibility.
At Credsol Financial Services, we take the complexity out of refinancing. Our experts analyse your existing mortgage, compare options across a wide panel of lenders, and structure a solution that maximises your savings and supports your future plans. For many homeowners, even a small adjustment in interest rates or loan terms can result in significant long-term benefits.
Refinancing with Credsol can help you:
Reduce Interest Costs – Secure a lower rate and save thousands over the life of your loan.
Lower Monthly Repayments – Restructure your mortgage for more manageable cash flow.
Access Home Equity – Unlock the value in your property to fund renovations, investments, or personal goals.
Consolidate Debt – Simplify your finances by rolling multiple debts into one affordable repayment.
Gain Flexibility – Adjust your loan terms, switch between fixed or floating rates, and choose a structure that fits your lifestyle.
With our personalised guidance, you’ll have the clarity and confidence to decide whether refinancing is the right move for you. Our goal is simple: to help you make your mortgage work smarter, not harder.
Refinancing means replacing your current mortgage with a new one, often with better terms, rates, or features.
You may want to refinance if interest rates have dropped, your fixed rate term is ending, your financial situation has changed, or you want to access equity in your home.
Yes. Even a small reduction in your interest rate can save you thousands over the life of your loan. Our advisors can calculate potential savings for you.
Yes, some lenders may charge break fees, valuation costs, or legal fees. However, these can often be offset by the savings you gain. We’ll make sure you have full visibility of all costs before making a decision.
Yes, refinancing is a great way to combine personal loans, car loans, or credit card balances into one manageable repayment at a lower interest rate.
New Loan Amount:
Payment Frequency:
Payment Amount:
Total Interest Paid:
Total Payments:
| Period | Payment | Principal | Interest | Balance |
|---|