Set a target rate and get notified when it’s time to refinance and save! Refined Lending, a division of Luminate Bank,’s Rate Alert helps you stay ahead of the market and could save you thousands over the life of your loan. Not sure what rate to aim for? We’ll help you find the right target. No sensitive info is needed – just your contact details and current mortgage rate to get started.
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Monday – Friday: 9 am – 5 pm
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At Refined Lending, we understand that refinancing your mortgage can be a daunting process. Our team is dedicated to guiding you through every step, ensuring you make the best financial decision for your needs.
Whether you're looking to lower your monthly payments, shorten your loan term, or tap into your home's equity, we have the expertise and tools to help you achieve your goals.
Refinancing your mortgage can open the door to significant long-term savings. By securing a lower interest rate or adjusting your loan term, you can potentially reduce your monthly payments and the overall cost of your loan.
Our team will work closely with you to analyze your current financial situation and explore the refinancing options that best fit your budget and lifestyle.
Refinancing provides an opportunity to simplify your loan management. By consolidating multiple mortgages or adjusting your loan structure, you can enjoy the convenience of a single monthly payment and potentially reduce your overall debt burden.
Our intuitive tools and personalized guidance will help you navigate the refinancing process with confidence, ensuring a smooth and efficient experience.
If you've built up significant equity in your home, refinancing can unlock access to those funds. This can be useful for financing home improvements, debt consolidation, or other financial goals.
Our experts will help you understand the potential benefits and risks of tapping into your home equity, empowering you to make an informed decision that aligns with your long-term financial objectives.