Refinancing Your Home Loan

Solstice Insight

Refinancing isn’t just about chasing a lower rate—it’s about making sure your loan still fits your life.

Access equity

Use your property’s value to fund:

• Renovations 
• Investments 
• Other financial goals 

Change your loan structure

Move between:

• Fixed and variable rates 
• Interest-only and principal & interest 
• Add features like offset accounts

Example:

• Property value: $800,000 
• Loan balance: $500,000 
• Useable Equity: $140,000 (80% of property value $640,000 less loan $500,000) 

A portion of this equity may be available to use.

Why this matters

Accessing equity can allow you to:

• Renovate your home 
• Invest in property 
• Consolidate debts 
• Create financial flexibility 

Solstice Insight

Your equity is often one of your most powerful financial tools—it’s worth reviewing regularly.

Common refinancing mistakes

• Focusing only on the interest rate 
• Not considering fees or long-term cost 
• Staying with a lender out of convenience 
• Not reviewing loan structure 
• Waiting too long between reviews

Solstice Insight

Our role is to make sure your loan continues to support you—not hold you back.

Solstice Insight

The biggest cost isn’t refinancing—it’s staying in the wrong loan for too long.

What it’s like to work with us

1. We review your current loan and situation 
2. We assess your options and opportunities 
3. We design a tailored refinancing strategy 
4. We manage the application process 
5. We continue to review your loan over time