Do i need Accountants advice?
If there are taxation or other issues regarding a refinance or restructure- Yes. Instances where you may require advice from an accountant are instances where a loan impacts:

• Trust Accounts
• Company Accounts
• Investment Properties
• Entity Ownership of Properties
• Quantity Surveyors Reporting
• Negative or Positive Gearing Returns

If there are no Taxation or issues an Accountant could advise you on, then No.