Financial services companies operate in a funny way. You see a great credit card rate offered by the bank that you have been loyal for years. You call them up to enquire and you are told that these advertised rates are only for the new customers. So what are you supposed to do? You should find another company that offers great rates for the new customers. Get a credit card from them to pay off your other card and close your account. When their promotional rates expire, do the same thing all over again. Wherever you are in the world you are guaranteed to save on credit card interest this way.
Although only few people are lucky to get their bank switch their mortgage rates to a much favourable ones, most mortgage lenders are busy chasing new customers. Their existing customers are seen as the bird in the cage. It is probably time for you to break away from the cage and go to another lender for your home loan refinancing. No one likes to be taken for granted and mortgage customers are no different. Mortgage refinance rates are record low and you should be demanding a rate cut from your existing lender and make it clear that you would be leaving if they do not switch you onto better mortgage rates.
Before you start negotiating with your lender, you would better get a few quotes to make sure that when you are offered a better product they really mean it. The main reason why you would want to renegotiate with your existing lender is that the closing costs should be much less if you stay with them. Again, if this is not the case and your lender expects you to pay arrangement fees and other costs, you should check what else on offer in the market.
It is high time you have one over the banks and lower your monthly mortgage payments with a low rate refinance mortgage product. Get ready, prepare your documents and keep an eye on the rates. Wait for the best time to move in and lock the best rates you could get, before the game has changed in favour of banks.
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