CLIC MONEY / REFINANCING
A lower rate matters. So do switching costs, loan features and the years left to repay. Compare your options before extending your debt or changing lenders.
We look at your balance, current rate, fees, fixed-rate expiry and goals. Improving your existing loan may be an alternative to switching.
Discharge fees, registration, application charges and any fixed-rate break cost affect the result. A smaller monthly repayment is not automatically a cheaper loan if the term becomes longer.
Whether your goal is lower interest, more useful features or funding a next move, the new loan should support a considered plan. Any recommendation follows an assessment of your circumstances.
No. Reviewing the existing loan and repayment structure may be worthwhile.
No. It is an illustration using the rates and costs you enter, not a lender offer.
YOUR NEXT STEP
Tell us your goal and timing. No financial documents are needed for your first enquiry.