{"id":10705,"date":"2026-02-01T12:59:50","date_gmt":"2026-02-01T12:59:50","guid":{"rendered":"https:\/\/mortera.arcanetify.com\/?page_id=10705"},"modified":"2026-02-01T13:02:12","modified_gmt":"2026-02-01T13:02:12","slug":"refinancing","status":"publish","type":"page","link":"https:\/\/mortera.arcanetify.com\/?page_id=10705","title":{"rendered":"Refinancing Home Loan"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"10705\" class=\"elementor elementor-10705\">\n\t\t\t\t<div data-ekitparallax=\"{&quot;ekit_section_parallax_bg&quot;:&quot;yes&quot;,&quot;ekit_section_parallax_bg_speed&quot;:0.5,&quot;elementor_lazy_load&quot;:&quot;1&quot;}\" class=\"elementor-element elementor-element-1ced9ec e-flex e-con-boxed e-con e-parent\" data-id=\"1ced9ec\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-faf9434 e-con-full e-flex e-con e-child\" data-id=\"faf9434\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ae55dd9 at-heading-animation at-animation-heading-style-2 elementor-widget elementor-widget-heading\" data-id=\"ae55dd9\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">REFINANCING HOME LOANS<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8d28207 breadcrumb-item elementor-invisible elementor-widget elementor-widget-elementskit-breadcrumb\" data-id=\"8d28207\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-breadcrumb.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" ><ol class=\"ekit-breadcrumb\"><li class=\"ekit_breadcrumbs_start\"><a href=\"https:\/\/mortera.arcanetify.com\">Home<\/a><\/li><\/ol><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5700133 e-flex e-con-boxed e-con e-parent\" data-id=\"5700133\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-ab43346 e-con-full e-flex e-con e-child\" data-id=\"ab43346\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-a293449 e-con-full sticky-column e-flex e-con e-child\" data-id=\"a293449\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-a8c75ea e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"a8c75ea\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fe13682 at-heading-animation at-animation-heading-none elementor-widget elementor-widget-heading\" data-id=\"fe13682\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">How We Help Refinancing<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-835f15d e-con-full e-flex e-con e-child\" data-id=\"835f15d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2da5f0b ekit-equal-height-disable elementor-widget elementor-widget-elementskit-icon-box\" data-id=\"2da5f0b\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >        <!-- link opening -->\n                <!-- end link opening -->\n\n        <div class=\"elementskit-infobox text-left text- icon-lef-right-aligin elementor-animation-   \">\n                        <div class=\"box-body\">\n                            <h3 class=\"elementskit-info-box-title\">\n                    Borrowing Assessment                <\/h3>\n                        \t\t  \t<p>We calculate realistic borrowing power based on income, expenses, and deposit.<\/p>\n                                <\/div>\n        \n        \n                <\/div>\n        <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8f09d3b ekit-equal-height-disable elementor-widget elementor-widget-elementskit-icon-box\" data-id=\"8f09d3b\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >        <!-- link opening -->\n                <!-- end link opening -->\n\n        <div class=\"elementskit-infobox text-left text- icon-lef-right-aligin elementor-animation-   \">\n                        <div class=\"box-body\">\n                            <h3 class=\"elementskit-info-box-title\">\n                    Deposit Options                <\/h3>\n                        \t\t  \t<p>Guidance on low deposit loans, guarantor options, and government schemes.<\/p>\n                                <\/div>\n        \n        \n                <\/div>\n        <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2e24f2a ekit-equal-height-disable elementor-widget elementor-widget-elementskit-icon-box\" data-id=\"2e24f2a\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >        <!-- link opening -->\n                <!-- end link opening -->\n\n        <div class=\"elementskit-infobox text-left text- icon-lef-right-aligin elementor-animation-   \">\n                        <div class=\"box-body\">\n                            <h3 class=\"elementskit-info-box-title\">\n                    Lender Selection                <\/h3>\n                        \t\t  \t<p>We compare major banks and specialist lenders that suit first home buyers.<\/p>\n                                <\/div>\n        \n        \n                <\/div>\n        <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-72b1e9a ekit-equal-height-disable elementor-widget elementor-widget-elementskit-icon-box\" data-id=\"72b1e9a\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >        <!-- link opening -->\n                <!-- end link opening -->\n\n        <div class=\"elementskit-infobox text-left text- icon-lef-right-aligin elementor-animation-   \">\n                        <div class=\"box-body\">\n                            <h3 class=\"elementskit-info-box-title\">\n                    Loan Structure                <\/h3>\n                        \t\t  \t<p>We structure loans to reduce costs, improve flexibility, and plan ahead.<\/p>\n                                <\/div>\n        \n        \n                <\/div>\n        <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d893211 ekit-equal-height-disable elementor-widget elementor-widget-elementskit-icon-box\" data-id=\"d893211\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >        <!-- link opening -->\n                <!-- end link opening -->\n\n        <div class=\"elementskit-infobox text-left text- icon-lef-right-aligin elementor-animation-   \">\n                        <div class=\"box-body\">\n                            <h3 class=\"elementskit-info-box-title\">\n                    Approval Support                <\/h3>\n                        \t\t  \t<p>From pre-approval to settlement, we manage the process end to end.<\/p>\n                                <\/div>\n        \n        \n                <\/div>\n        <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-439df47 ekit-equal-height-disable elementor-widget elementor-widget-elementskit-icon-box\" data-id=\"439df47\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >        <!-- link opening -->\n                <!-- end link opening -->\n\n        <div class=\"elementskit-infobox text-left text- icon-lef-right-aligin elementor-animation-   \">\n                        <div class=\"box-body\">\n                            <h3 class=\"elementskit-info-box-title\">\n                    Clear Guidance                <\/h3>\n                        \t\t  \t<p>Plain English advice so you know exactly what you are signing up for.<\/p>\n                                <\/div>\n        \n        \n                <\/div>\n        <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-228b176 e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"228b176\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;,&quot;animation_delay&quot;:100}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e09d40c elementor-widget elementor-widget-inclub-elementor-template\" data-id=\"e09d40c\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"inclub-elementor-template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2bfc508 e-con-full e-flex e-con e-child\" data-id=\"2bfc508\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-36bad5c e-con-full e-flex e-con e-child\" data-id=\"36bad5c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-14fe121 project-single-image image-anime at-image-animation at-animation-image-style-1 elementor-widget elementor-widget-image\" data-id=\"14fe121\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1200\" height=\"800\" src=\"https:\/\/mortera.arcanetify.com\/wp-content\/uploads\/2024\/12\/gallery-7.jpg\" class=\"attachment-full size-full wp-image-2108\" alt=\"\" srcset=\"https:\/\/mortera.arcanetify.com\/wp-content\/uploads\/2024\/12\/gallery-7.jpg 1200w, https:\/\/mortera.arcanetify.com\/wp-content\/uploads\/2024\/12\/gallery-7-300x200.jpg 300w, https:\/\/mortera.arcanetify.com\/wp-content\/uploads\/2024\/12\/gallery-7-1024x683.jpg 1024w, https:\/\/mortera.arcanetify.com\/wp-content\/uploads\/2024\/12\/gallery-7-768x512.jpg 768w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6384d10 e-con-full e-flex e-con e-child\" data-id=\"6384d10\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9dc62f5 elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"9dc62f5\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"207\" data-end=\"396\">Refinancing is not just about chasing a lower interest rate. It is an opportunity to review whether your current loan structure still suits your financial position, goals, and future plans.<\/p><p data-start=\"398\" data-end=\"639\">Many borrowers stay with the same lender for years without reviewing their loan. Over time, rates change, features become outdated, and better options become available. Refinancing allows you to reassess and take advantage of improved terms.<\/p><p data-start=\"641\" data-end=\"894\">At Mortera, we review your existing loan in detail. This includes interest rate, fees, loan features, offset arrangements, and how the loan impacts your borrowing capacity. We then compare suitable alternatives across major banks and specialist lenders.<\/p><p data-start=\"896\" data-end=\"1113\">Refinancing may also allow you to access equity built up in your property. This equity can be used for investment, renovations, debt consolidation, or future purchases, provided it aligns with your financial position.<\/p><p data-start=\"1115\" data-end=\"1323\">Our focus is to ensure refinancing improves your position long term. We consider costs such as discharge fees, application fees, and potential break costs, so any move makes financial sense before proceeding.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-042d6b8 e-con-full e-flex e-con e-child\" data-id=\"042d6b8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9a0b719 at-heading-animation at-animation-heading-style-2 elementor-widget elementor-widget-heading\" data-id=\"9a0b719\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">OUR CLIENT'S <span>CHALENGE<\/span><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3caba84 e-con-full e-flex e-con e-child\" data-id=\"3caba84\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-863e414 elementor-widget__width-initial elementor-widget-mobile__width-inherit elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-invisible elementor-widget elementor-widget-icon-list\" data-id=\"863e414\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"#\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Saving a deposit while managing rising living costs<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"#\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Understanding how much they can realistically borrow<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"#\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Navigating confusing lender rules and government schemes<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"#\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Competing with experienced buyers in a tight market<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d47e371 e-con-full e-flex e-con e-child\" data-id=\"d47e371\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-52b0382 project-entry-image image-anime at-image-animation at-animation-image-none elementor-widget elementor-widget-image\" data-id=\"52b0382\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1200\" height=\"800\" src=\"https:\/\/mortera.arcanetify.com\/wp-content\/uploads\/2024\/12\/gallery-7.jpg\" class=\"attachment-full size-full wp-image-2108\" alt=\"\" srcset=\"https:\/\/mortera.arcanetify.com\/wp-content\/uploads\/2024\/12\/gallery-7.jpg 1200w, https:\/\/mortera.arcanetify.com\/wp-content\/uploads\/2024\/12\/gallery-7-300x200.jpg 300w, https:\/\/mortera.arcanetify.com\/wp-content\/uploads\/2024\/12\/gallery-7-1024x683.jpg 1024w, https:\/\/mortera.arcanetify.com\/wp-content\/uploads\/2024\/12\/gallery-7-768x512.jpg 768w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-57c6a14 elementor-absolute video-play-button elementor-widget elementor-widget-elementskit-video\" data-id=\"57c6a14\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;,&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-video.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >\t\t<div class=\"video-content\" data-video-player=\"[]\" data-video-setting=\"{&quot;videoVolume&quot;:&quot;horizontal&quot;,&quot;startVolume&quot;:0.8,&quot;videoType&quot;:&quot;iframe&quot;,&quot;videoClass&quot;:&quot;mfp-fade&quot;,&quot;popupIcon&quot;:{&quot;value&quot;:&quot;icon icon-cancel&quot;,&quot;library&quot;:&quot;ekiticons&quot;},&quot;videoStyle&quot;:&quot;popup&quot;,&quot;videoTypeName&quot;:&quot;youtube&quot;,&quot;autoplay&quot;:false,&quot;muted&quot;:false,&quot;loop&quot;:true}\">\n\t\t\t\n<a class=\"ekit_icon_button glow-ripple ekit-video-popup ekit-video-popup-btn\" href=\"?playlist=&amp;mute=0&amp;autoplay=0&amp;loop=1&amp;controls=0&amp;start=0&amp;end=\" aria-label=\"video-popup\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-play\"><\/i>\t\t\n\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-95def0d e-con-full e-flex e-con e-child\" data-id=\"95def0d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-75f2096 section-title at-heading-animation at-animation-heading-none elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"75f2096\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">FREQUENTLY ASKED QUESTIONS<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bbb6d42 at-heading-animation at-animation-heading-style-2 elementor-widget elementor-widget-heading\" data-id=\"bbb6d42\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">CLEAR ANSWERS TO <span>YOUR QUESTIONS<\/span><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-dbb898b e-con-full e-flex e-con e-child\" data-id=\"dbb898b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2accb05 faq-accordion elementor-invisible elementor-widget elementor-widget-elementskit-accordion\" data-id=\"2accb05\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:100,&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >\n        <div class=\"elementskit-accordion accoedion-primary\" id=\"accordion-6a2329b564862\">\n\n            \n                <div class=\"elementskit-card active\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-0-2accb05\">\n                        <a href=\"#collapse-75a17456a2329b564862\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-75a17456a2329b564862\" aria-expanded=\"true\" aria-controls=\"Collapse-75a17456a2329b564862\">\n                            \n                                <span class=\"number\"><\/span>\n\n                            \n                            <span class=\"ekit-accordion-title\">When should I consider refinancing my home loan?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-plus\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-minus\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-75a17456a2329b564862\" class=\" show collapse\" aria-labelledby=\"primaryHeading-0-2accb05\" data-parent=\"#accordion-6a2329b564862\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>You may consider refinancing if your rate is no longer competitive, your financial situation has changed, or you want access to better loan features such as offset accounts.<\/p><p>\u00a0<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-1-2accb05\">\n                        <a href=\"#collapse-9f8f9346a2329b564862\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-9f8f9346a2329b564862\" aria-expanded=\"false\" aria-controls=\"Collapse-9f8f9346a2329b564862\">\n                            \n                                <span class=\"number\"><\/span>\n\n                            \n                            <span class=\"ekit-accordion-title\">Will refinancing cost me money?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-plus\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-minus\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-9f8f9346a2329b564862\" class=\" collapse\" aria-labelledby=\"primaryHeading-1-2accb05\" data-parent=\"#accordion-6a2329b564862\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>There may be fees such as discharge costs, valuation fees, or application fees. We compare these costs against potential savings to determine if refinancing is worthwhile.<\/p><p>\u00a0<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-2-2accb05\">\n                        <a href=\"#collapse-a07bd606a2329b564862\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-a07bd606a2329b564862\" aria-expanded=\"false\" aria-controls=\"Collapse-a07bd606a2329b564862\">\n                            \n                                <span class=\"number\"><\/span>\n\n                            \n                            <span class=\"ekit-accordion-title\">Can I refinance to access equity?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-plus\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-minus\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-a07bd606a2329b564862\" class=\" collapse\" aria-labelledby=\"primaryHeading-2-2accb05\" data-parent=\"#accordion-6a2329b564862\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Yes. If your property value has increased or your loan balance has reduced, you may be able to access equity. This depends on income, expenses, and lender policy.<\/p><p>\u00a0<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-3-2accb05\">\n                        <a href=\"#collapse-3c2ce136a2329b564862\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-3c2ce136a2329b564862\" aria-expanded=\"false\" aria-controls=\"Collapse-3c2ce136a2329b564862\">\n                            \n                                <span class=\"number\"><\/span>\n\n                            \n                            <span class=\"ekit-accordion-title\">Does refinancing reset my loan term?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-plus\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-minus\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-3c2ce136a2329b564862\" class=\" collapse\" aria-labelledby=\"primaryHeading-3-2accb05\" data-parent=\"#accordion-6a2329b564862\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>It can, but it does not have to. We structure refinancing to suit your repayment goals, whether that is reducing repayments or paying off the loan sooner.<\/p><p>\u00a0<\/p><p>\u00a0<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-4-2accb05\">\n                        <a href=\"#collapse-0d7f4b16a2329b564862\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-0d7f4b16a2329b564862\" aria-expanded=\"false\" aria-controls=\"Collapse-0d7f4b16a2329b564862\">\n                            \n                                <span class=\"number\"><\/span>\n\n                            \n                            <span class=\"ekit-accordion-title\">How long does refinancing take?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-plus\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-minus\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-0d7f4b16a2329b564862\" class=\" collapse\" aria-labelledby=\"primaryHeading-4-2accb05\" data-parent=\"#accordion-6a2329b564862\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Refinancing typically takes between two to four weeks, depending on lender processing times and documentation.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                                        <\/div>\n    <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>REFINANCING HOME LOANS Home How We Help Refinancing Borrowing Assessment We calculate [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"footnotes":""},"class_list":["post-10705","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/mortera.arcanetify.com\/index.php?rest_route=\/wp\/v2\/pages\/10705","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/mortera.arcanetify.com\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/mortera.arcanetify.com\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/mortera.arcanetify.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/mortera.arcanetify.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=10705"}],"version-history":[{"count":6,"href":"https:\/\/mortera.arcanetify.com\/index.php?rest_route=\/wp\/v2\/pages\/10705\/revisions"}],"predecessor-version":[{"id":10711,"href":"https:\/\/mortera.arcanetify.com\/index.php?rest_route=\/wp\/v2\/pages\/10705\/revisions\/10711"}],"wp:attachment":[{"href":"https:\/\/mortera.arcanetify.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=10705"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}