Services

Mortgage refinancing assessment

Compare an existing mortgage with alternatives using current balances, exit fees, remaining term, risk and total cost — not just a lower monthly payment.

Refinancing begins with the change you need: monthly breathing room, a different loan term or less exposure to uncertainty. The assessment compares keeping the existing mortgage with alternatives and may conclude that no change is appropriate now.

Discuss your situation

Who this is for

Mortgage holders whose income, expenses or early-repayment plans have changed.
Borrowers offered refinancing who want to distinguish a genuine cost improvement from a lower payment achieved mainly by extending the term.

What we check together

Current payoff balances by track, remaining terms, indexation and early-repayment charges from the existing lender.
Switching costs and projected total repayments under consistent scenarios, including sensitivity to interest and inflation.
A possible break-even point after costs, your expected holding period and plans to sell or repay part of the loan.

What you receive within the agreed scope

A comparison of the existing loan and alternatives that separates cash-flow relief from changes in overall cost.
A summary of reasons to change or retain the mortgage, calculation assumptions and outstanding questions for lenders.

How to prepare

An up-to-date payoff statement and the current tracks, payments and charges from your bank.
Any alternative offers, an income and debt overview, and expected future funds. Do not cancel existing arrangements before the replacement and its conditions are clear.

The process

Define the reason for change
Separate an immediate need for payment relief from a goal of shortening the loan or changing its risk.
Compare after costs
Place current balances and charges alongside possible alternatives and identify uncertain assumptions.
Decide whether to proceed
If refinancing is chosen and execution support is included, coordinate payoff and new-loan requirements; otherwise record the reasons to wait.

Scope and fees

Fees are individual and depend on case complexity, financing size, lenders and the support needed. The scope, deliverables and fee are agreed in writing before work begins; follow-up work outside that scope requires a separate agreement.

This information is a planning framework, not financing approval or a credit offer. The lender determines eligibility and terms after reviewing documents and the property. No rate, saving or completion date is guaranteed. Legal and tax matters require the appropriate professionals.

Frequently asked questions

Does a lower payment mean refinancing is worthwhile?

No. A longer term can reduce the monthly payment while increasing total repayments. Compare cost, risk and flexibility as well as cash flow.

Can we examine only part of the mortgage?

A partial change can be explored, but feasibility depends on loan tracks, security and lender policies. Do not assume each part can move independently.

What if exit charges outweigh the benefit?

Keeping the existing loan or reviewing it later may be appropriate. An assessment is not a commitment to refinance and does not promise savings.

Tools and next steps