Comparison Rate vs Advertised Rate: Which One Matters
Two rates on the same advert, one bigger and nobody explains why. Here is what the comparison rate actually includes, what it quietly leaves out and how to use it without being misled.
What Refinancing Costs: The Fees That Show Up Later
Switching lenders looks like a simple rate decision until the fees arrive. Here is the list of refinance costs that land in your first months and a plain way to check whether they cancel out the saving.
How to Refinance Your Home Loan, Step by Step and When Switching Isn’t Worth It
Refinancing is a process with a break even point, not just a lower advertised rate. Here is the paperwork, the discharge figure, the comparison rate maths and the times when staying put wins.