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Yes. You can refinance during a fixed term, but you may pay break costs (plus discharge and new loan fees). Break costs can be small or significant depending on your rate, time remaining and the lender’s calculation. We’ll estimate the costs first, then only proceed if the numbers stack up.

It depends on the lender, your income, and whether you want to avoid LMI. As a rule of thumb, having enough usable equity to keep the new lending at **80% LVR or under** can reduce costs and improve options. Some borrowers go higher with LMI. We’ll map your available equity, borrowing power, and the upfront costs (stamp duty, legals, buffers) so you know what’s realistic.

A refinance application usually involves a credit enquiry, which can cause a small, temporary dip. What matters most is the pattern: multiple applications in a short window can have a bigger impact. We minimise this by doing a full assessment upfront and lodging only when the deal is right.

Often, yes. Investment loans can come with tighter lending rules and higher interest rates, and lenders may prefer lower LVRs. Many buyers aim for **20% deposit** to avoid LMI, but options can exist with less (with LMI or other strategies) depending on your profile. We’ll show you the cleanest path based on cost, risk, and approval strength.

Yes. Many lenders will consider casual nursing income if you have a consistent history of shifts and stable earnings. The key is how your income is evidenced and assessed (base, penalties, overtime, allowances). We’ll package your payslips and employment details properly, and match you with lenders that understand healthcare pay.