Can I refinance without changing bank?

Yes! Technically it’s not a refinance, and would most likely just be a restructure of the debt. The benefit of refixing or restructuring with your existing bank is that you won’t need to open any new accounts. It’s likely you’ll still need to do a full application, and also may need to get a solicitor involved if new mortgage documents need to be signed. It’s best to speak with your iRefi Mortgage Adviser/Broker to get a better understanding of which will be the best option for you.

The downside of staying with your existing bank when doing a restructure is that you’re unlikely to get the bank’s most competitive lending offer, as they usually reserve these for new clients.

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