Refinancing is always a good option if are wishing to consolidate debt, looking for equity to invest in property, shares, or education.
A loan should be chosen to meet your needs not the banks. It is important to explain to us your needs and why you need the funds today and what your requirements are for the future.
Many lenders offer the same rates but differ in their offerings and charges. Some lenders have low rates but lots of charges, others may have higher rates and offer everything.
However you need to identify what you need and then choose and or have us negotiate with the lender to ensure your requirements are met.
You are only one borrower, LSFY is working with many borrowers and we can obtain a far more competitive arrangement, than one borrower alone.