{"id":23,"date":"2026-08-27T08:17:16","date_gmt":"2026-08-27T08:17:16","guid":{"rendered":"https:\/\/scintillawpthemes.com\/demo\/swp-mortgage-broker-pro\/programs\/refinance-and-rate-change\/"},"modified":"2026-08-27T08:17:16","modified_gmt":"2026-08-27T08:17:16","slug":"refinance-and-rate-change","status":"publish","type":"service","link":"https:\/\/scintillawpthemes.com\/demo\/swp-mortgage-broker-pro\/programs\/refinance-and-rate-change\/","title":{"rendered":"Refinance and rate change"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">A lower headline rate is not automatically a saving. Fees, exit charges and how long you actually plan to stay in the property decide whether a refinance is worth doing at all, and the arithmetic frequently says wait.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">What we work out for you<\/h3>\n\n\n\n<ul class=\"wp-block-list\"><li>The full cost of moving, including any early repayment charge.<\/li><li>The month at which the saving overtakes that cost.<\/li><li>What happens to the total interest if you also shorten the term.<\/li><li>Whether releasing equity changes the pricing tier you land in.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">If the answer is that you should stay put for another eighteen months, that is what the report will say, and we will call you when the position changes.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>We run the break-even honestly. If moving your loan costs more than it saves over the time you plan to stay, we say so.<\/p>\n","protected":false},"featured_media":0,"menu_order":1,"template":"","service_category":[],"class_list":["post-23","service","type-service","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/scintillawpthemes.com\/demo\/swp-mortgage-broker-pro\/wp-json\/wp\/v2\/service\/23","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/scintillawpthemes.com\/demo\/swp-mortgage-broker-pro\/wp-json\/wp\/v2\/service"}],"about":[{"href":"https:\/\/scintillawpthemes.com\/demo\/swp-mortgage-broker-pro\/wp-json\/wp\/v2\/types\/service"}],"wp:attachment":[{"href":"https:\/\/scintillawpthemes.com\/demo\/swp-mortgage-broker-pro\/wp-json\/wp\/v2\/media?parent=23"}],"wp:term":[{"taxonomy":"service_category","embeddable":true,"href":"https:\/\/scintillawpthemes.com\/demo\/swp-mortgage-broker-pro\/wp-json\/wp\/v2\/service_category?post=23"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}