I am a current home owner with a mortgage of $202,000. I am looking at re-financing my mortgage with lower repayments but would also like to burrow extra for minor house renovations. I don't have any other loans. I currently have a personal credit card with the credit limit of $9,000 (at the moment, my credit card debt is $500 as I don't really like using it unless it is for emergencies). I would like a loan that allows me to make extra repayments and have the ability to redraw if needed. I have been in my current job for 11months (started Oct 16) but can provide all necessary past financial documents if required. Please advise what the best option might be. Thank you,    Isabelle G

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