As time passes, your personal circumstances may have changed. You may have a new job, new addition to the family or unexpected costs arises. A change in your circumstances can mean it may be time to review your home loan to ensure it is still appropriate for you.

Refinancing can help you with:

• Having more flexible repayment options
• Lower interest rates
• Offsets & redraw facilities
• Fixed vs variable
• Cash out
• Interest rates The right loan can help you pay off your home loan faster which is a step in the right direction.