There are a number of costs involved when refinancing. Be sure to calcualate the total savings over your loans life when choosing a product, or it just may be better off staying put.

Costs can be broken into two (2) Catagories:

Lender Charges - Lender charges can included solicitors fees, application fees, valuation fees and any ongoing fees associated to the loan itself. There may also be Deferred Establishment Fees which is a deferred application fee that is waived if you keep your loan with the lender for a specific period of time.

Government Charges - Stamp Duty on the mortgage (state dependant), registration of title and deregistration of title.

Loan Saver Networks role in Mortgage Application process is to help identify a competitive and/or suitable product while minimising the costs to refinance. Refinancing should provide either a cost or other advantages.