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Smarter Refinancing Before the Holiday Season

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Smarter Refinancing Before the Holiday Season

As we approach the festive season and increasing interest rates continue, it's crucial to get your financial house in order. With mortgage brokers actively advocating for lower rates, there are steps you can take to improve your financial standing, even if refinancing becomes necessary. 

In this article, we'll delve into some practical tips to help you secure a better refinance mortgage rate and enhance your financial well-being in the coming months.  .

Did you know?

With our in-house mortgage broking division we bridge the gap between the countless phone calls and emails between lender and accountant making your refinancing and borrowing much less stressful.


Proactive forward planning can make a substantial difference when seeking lower mortgage rates. As we navigate the holiday season and anticipate potential rate increases, taking steps to improve your HEM score, manage your credit score, and optimise your credit card limits can help you secure a more favorable mortgage rate. By adopting these strategies, you'll be better prepared to navigate the changing financial landscape and position yourself for a more stable and affordable future.

Let's work together.

Before refinancing, speak with a finance broker to help determine whether the potential savings or benefits outweigh the costs.


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