1st Time Refinancing - Tips? Staying with NAB?
Hi, so I'm currently with NAB with my fixed deposit at 3.88% and my variable rate at 4.06%.
My wife and I recently signed up to quite a number of credit cards for both business and personal, so I'm a little concerned with refinancing. Is steps to refinance as harsh as applying for the initial home loan we did years ago? What are the chances of getting denied for a refinance?
I'm not too fuss with staying with NAB since I do all my personal and business banking with them, makes logging into one portal a lot easier, but obviously that's assuming I can get a decent rate, which leads to the question of what's a decent rate these days I should negotiate for?