Refinance

A Second Look At Your Existing Loan

Refinancing isn't always the right call — but it's worth checking. We compare your existing loan against the wider market and tell you straight whether moving makes sense.

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What We Can Look At

Most loans are worth reviewing every couple of years. Rates move, your situation changes, and what suited you then may not suit you now.

Car Loans

An existing car loan reviewed against current market options — including new rates, term, and structure.

Asset & Equipment Finance

Business-use asset finance refinanced to better suit current cashflow, term or lender appetite.

Personal Loans

A review of existing personal lending to see if consolidation or a different structure makes the repayments more manageable.

What We Actually Check

Your current payout figure and remaining term

Break or early exit costs on your existing loan

Whether moving genuinely improves the total cost

New loan structure, term and total repayment side by side

Whether your income or circumstances have changed

Lender appetite for refinancing your specific situation

Straight talk: refinancing doesn't always save money once break costs and fees are factored in. If the numbers don't stack up, we'll tell you. This information is general only and doesn't replace personal financial advice.

Refinance FAQs

Sometimes — sometimes not. It depends on your payout figure, break costs, the new rate and term, and whether your circumstances have changed. We'll run the numbers honestly before recommending anything.

Car loans, asset and equipment finance, and personal loans. Each has its own quirks — we'll tell you up front what's worth refinancing and what's not.

Most existing loans have payout figures that include any break or exit costs. We factor these into the comparison so you see the full picture, not just the headline rate.

No. The initial review isn't an application. A formal credit enquiry only happens once you've given consent.

Worth Checking? Let's See.

Honest comparison, no pressure to move. Suitability depends on your situation and lender criteria.

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No obligation. Credit enquiry only with consent.