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.
Hours:
Monday – Friday: 9 am – 5 pm
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Andrew Mitchell is a seasoned mortgage specialist at Refined Lending, a division of Luminate Bank. With years of experience in the industry, Andrew is dedicated to helping customers secure the best possible loan terms and navigate the complexities of the mortgage process.
As an expert in mortgage refinancing, Andrew works closely with clients to understand their financial goals and provide personalized solutions. He is committed to building long-term relationships with his customers and ensuring they achieve their homeownership dreams.
Refined Lending offers a wide range of mortgage refinancing options to meet the diverse needs of our clients. Whether you're looking to lower your interest rate, tap into your home's equity, or shorten your loan term, our experienced team can guide you through the process.
Our refinancing services include fixed-rate mortgages, adjustable-rate mortgages, and cash-out refinancing. We'll work with you to evaluate your current financial situation and explore the best refinancing solution to fit your goals.
Applying for a loan with Refined Lending is a straightforward and efficient process. Our online application makes it easy to get started, and our team is available to assist you every step of the way.
To begin your application, simply provide us with the necessary information, such as your current mortgage details, income, and financial goals. Our team will review your application and work with you to ensure a smooth and stress-free experience.
At Refined Lending, we pride ourselves on our commitment to exceptional customer service and our deep understanding of the mortgage industry. Our team of experts is dedicated to helping you navigate the complexities of the lending process and find the best possible solution for your needs.
With competitive rates, personalized guidance, and a focus on building long-term relationships, Refined Lending is the trusted choice for your mortgage refinancing needs.