
Hi Shruti,It is definitely a good idea reviewing now as it takes a little bit of time to arrange the paperwork and to finalize the refinance if required. Feel free to give me a call on 04**** 469. Rates in the fixed and variable space are now very competitive given the amount of competition from lenders out their so you would most likely be able to save a lot of money and pay off the loan sooner buy finding a better offer.

kelvin
There is no willingness from lenders to pass on low rates to existing borrowers - unfortunately most of the time you need to refinance. Happy to assist.