Guides & straight answers
Plain-English lending guides from the MakeMyLoan team.
Existing borrowers often pay more than new customers at the same lender. How the loyalty tax works, how to run a repricing request, and what evidence helps.
Rolling personal loans, car loans and cards into your mortgage can ease cash flow — or turn short-term debt into 30 years of interest. The balanced picture.
Cashback offers can be genuine value or an expensive distraction. How to weigh upfront cash against the rate you'll pay, clawback conditions and churn risk.
When a fixed rate expires your loan rolls to the revert rate — often much higher. How to time your review and choose between re-fixing, variable or refinancing.
The signals it's time to refinance — rate creep, fixed expiry, equity milestones, life changes — and the situations where refinancing can leave you worse off.
The complete refinance process explained: auditing your current loan, comparing lenders, applying, discharge and settlement — plus the real costs involved.