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Refinancing from a 30yr 4.25% to a 2.5% 15yr loan maintains payments but saves $30-50K, shaving off 15 years.
Daniel  
Hemsworth
United States
Closing a 15yr refi at 3.125% from a 4.5% 30yr, 7 years in, streamlines payments, enhancing long-term savings.
Aisha  
Patel
Canada
Refinanced an 18-month-old loan from 4.875% to 2.65% on a 30-year term with one point paid. Monthly savings: 450€.
Lennart  
Becker
Germany
Refinanced from 4.25% to 3.25%, then to 2.75% within two years. Monthly payments dropped from 2800€ to 2100€.
Carmen  
Lopez
Spain
Lowered from 4.75% to 2.99% on a 30-year loan, two years in. Monthly savings: 400€, totaling over 70k€ saved.
Tony  
Sinclair
United Kingdom
I went from 4.25% to 2.625%. I save money every month and will save hundreds of thousands before the loan is paid.
Thibault  
Leroux
France
Bought in early  2018 at 4.5%, refinanced in Aug 2020 to 3%. Opted for a 20-year term over 30,  slightly cheaper and saving 70k€ in interest.
Elke
Gruber
Austria
I refi’d from 3.875% to 2.75% in 2020 and rolled 5000€ closing into the loan with no regrets.
Zofia  
Włodarczyk
Poland
We went from 4.99% down to 2.35% on a 700k loan… it saved us quite a massive amount.
Alessio  
Moretti
Italy
When I refinanced, I chose a 15-year period for only 200€ more per month. I went through with it, and I've been living for free for 5 years now!
Björn
Svensson
Sweden
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What is loan refinancing?

Loan refinancing is the process of replacing an existing loan with a new loan with more favorable terms. This may include reducing the interest rate, extending the repayment period or changing the type of loan.

When is the best time to refinance a loan?

The best time to refinance a loan depends on several factors, such as current interest rates, length of loan repayment and current financial situation. It is usually recommended to refinance a loan when interest rates drop by at least 0.5%-1% compared to the existing loan.

How is the interest rate determined?

The interest rate is usually determined based on market conditions, i.e. supply and demand for loans. A bank or other lender takes into account factors such as risk, inflation, currency exchange rates and other factors to determine the interest rate.

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