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    · Consolidating high interest debt such as credit and store cards, and personal loans into a low
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    If you are thinking of joining the thousands of Australians who are refinancing loans, there are some important issues to consider.

    Reasons to consider refinancing:

    · Seeking a better interest rate on your mortgage.
    · Creating greater flexibility in your mortgage – interest-only repayments, credit cards, redraw, better service, lower fees, paying off your mortgage earlier.
    · Using the equity in your home to finance renovations, or cash for other investments or business capital.
    · Consolidating high interest debt such as credit and store cards, and personal loans into a lowe
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    Reasons to consider refinancing:

    · Seeking a better interest rate on your mortgage.
    · Creating greater flexibility in your mortgage – interest-only repayments, credit cards, redraw, better service, lower fees, paying off your mortgage earlier.
    · Using the equity in your home to finance renovations, or cash for other investments or business capital.
    · Consolidating high interest debt such as credit and store cards, and personal loans into a low
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    reating greater flexibility in your mortgage – interest-only repayments, credit cards, redraw, better service, lower fees, paying off your mortgage earlier.
    · Using the equity in your home to finance renovations, or cash for other investments or business capital.
    · Consolidating high interest debt such as credit and store cards, and personal loans into a low
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    Health insurance is simply protection of the person or group insured against financial loss from illness or injury. Can you live without it? Probably. Should you? The answer depends upon whom you ask.Like ot
    aying off your mortgage earlier.
    · Using the equity in your home to finance renovations, or cash for other investments or business capital.
    · Consolidating high interest debt such as credit and store cards, and personal loans into a low
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    · Consolidating high interest debt such as credit and store cards, and personal loans into a lower interest loan such as a mortgage.

    Things to consider when refinancing:

    · Costs associated with refinancing – for example, early discharge fees if you are in a fixed interest arrangement, application fees on new loans, mortgage insurance, stamp duty (in some states) and so on. You need to work out whether these costs outweigh the saving in interest you’ll make, or how long it will take to recoup them. For example, if you are planning to sell soon, refinancing may no

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