You may be able to get better interest rates, better terms and conditions by refinancing your loan; first and foremost, it may provide you with access to lower interest rates, more suitable terms and conditions, and also enable you to use the equity you have built up in your home to renovate, buy an investment property, or consolidate debt. It doesn’t matter what your current situation is, whether your mortgage is fixed or variable, whether you’re alone or with a partner on your title, if you’re self-employed, if your employment or life circumstances have changed since you originally financed your property, refinancing can help you access your equity and help you move up the financial ladder.