So Money / signature refinance series
Easy Refi.
A dedicated way to explore refinancing your current home loan, with questions shaped around the Prime and Optimal Easy Refi paths.
Start with the loan you have
Easy Refi is a distinct refinance series and application route. It is offered across Prime and Optimal; it is not one of So Money’s five product families. The application begins with your current lender and how long you have held the loan, then presents the questions for the relevant path.
One purpose.
Two conversations.
The lender list, eligibility, documents, costs and product features must be confirmed against current policy. A route choice is only the start of assessment.
Prime Easy Refi — check the existing lender
The early questions check whether the current lender is on the applicable list and whether the loan has been held for more than 12 months. Where those answers indicate a potential fit, the Prime Easy Refi questions follow.
Optimal Easy Refi — explore another refinance path
When the initial Prime checks do not indicate a potential fit, the application moves to Optimal Easy Refi questions. This does not mean the loan is eligible or will be approved.
A clearer refinance conversation
- Your current lender and loan details.
- How long you have held the existing loan.
- Your reason for refinancing and the property details.
- Income and supporting documents requested for the selected path.
Start Easy Refi online
The online route asks the first eligibility questions and takes you into the current application flow.
No approval or rate is promised. Eligibility and credit assessment apply.