Refinancing and Restructuring Your Lending
Whether it's a business facility or a home loan, the right refinancing can lower costs, free up cash flow, or simply fit your situation better. Finance Link compares options across 30+ lenders, at no cost to you.
What Refinancing and Restructuring Actually Means
Refinancing is simply moving a loan, business or home, to a new lender or a new structure with better terms. Restructuring is closely related, but focuses on rearranging existing facilities rather than replacing them outright. Both are usually driven by the same handful of triggers: a rate change in the market, a change in circumstances, or a structure that no longer fits how the borrower's situation has evolved.
Interest Rate
Loan Structure
Equity Position
Repayment Term
Your Refinancing Options
Whether the loan is for a business or a home, the right refinancing option depends on what's changed since it was first arranged.
Business Loan Refinancing
Moving an existing business facility to a new lender for a better rate, longer term, or structure that suits the business as it stands today.
Home Loan Refinancing
Moving a mortgage to a new lender, often to secure a better rate or access a loan structure that better fits current circumstances.
Commercial Mortgage Refinance
Refinancing lending secured against commercial property, useful where the original terms no longer reflect current market rates or the property's value.
Refinancing for Renovations
Using a home loan refinance to release equity for renovation work, structured against the home's current value rather than a separate loan.
Business Loan Restructuring
Rearranging existing business facilities, such as combining several into one, or adjusting terms across lenders, without necessarily changing lender.
Home Loan Restructuring
Adjusting an existing mortgage's structure, such as splitting between fixed and floating, without refinancing to a new lender.
Frequently Asked Questions
Refinancing Structured Around Where You Are Now
Circumstances change, and a loan arranged years ago may no longer be the best fit today. We compare business and home lending options across 30+ lenders to find a structure that works now, at no cost to you.