If your interest rate is not in the 3’s you are simply paying too much. We at SJF are refinancing new clients with a straight forward process. We take the application and ensure the terms are well and truly better than you currently have so you save rather than pay too much to your current lender. There are even refinancing lump sum payments available to you by certain institutions if you move to them. We obviously make sure their terms are good and that you simply don’t change over just to receive their lump sum payment which can be up to $2,000 after settlement. By consolidating your debt into one means you too can have the same benefits and have just one repayment to make.