{"id":9628,"date":"2025-11-12T11:21:14","date_gmt":"2025-11-12T00:21:14","guid":{"rendered":"https:\/\/webinrealtime.com\/ecomtemp\/?page_id=9628"},"modified":"2025-11-13T17:12:41","modified_gmt":"2025-11-13T06:12:41","slug":"when-is-the-right-time-to-refinance","status":"publish","type":"page","link":"https:\/\/webinrealtime.com\/ecomtemp\/when-is-the-right-time-to-refinance\/","title":{"rendered":"When is the right time to refinance?"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"9628\" class=\"elementor elementor-9628\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cfdf195 e-flex e-con-boxed e-con e-parent\" data-id=\"cfdf195\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-cf1e81a e-con-full e-flex e-con e-child\" data-id=\"cf1e81a\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-0aad49e e-con-full e-flex e-con e-child\" data-id=\"0aad49e\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ce3d817 elementor-widget__width-initial elementor-widget elementor-widget-image\" data-id=\"ce3d817\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"314\" height=\"354\" src=\"https:\/\/webinrealtime.com\/ecomtemp\/wp-content\/uploads\/2025\/11\/Nathan_Baumgart_Green_Finance_Group_Photo_Web-314x354-3.png\" class=\"attachment-large size-large wp-image-9637\" alt=\"\" srcset=\"https:\/\/webinrealtime.com\/ecomtemp\/wp-content\/uploads\/2025\/11\/Nathan_Baumgart_Green_Finance_Group_Photo_Web-314x354-3.png 314w, https:\/\/webinrealtime.com\/ecomtemp\/wp-content\/uploads\/2025\/11\/Nathan_Baumgart_Green_Finance_Group_Photo_Web-314x354-3-266x300.png 266w\" sizes=\"(max-width: 314px) 100vw, 314px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-19cdf6f e-flex e-con-boxed e-con e-parent\" data-id=\"19cdf6f\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-6914f68 e-flex e-con-boxed e-con e-child\" data-id=\"6914f68\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-40ed6b7 e-con-full e-flex e-con e-child\" data-id=\"40ed6b7\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-586e61f elementor-mobile-align-justify elementor-align-center elementor-widget-mobile__width-inherit elementor-widget elementor-widget-button\" data-id=\"586e61f\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/webinrealtime.com\/ecomtemp\/commercial-finance\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Commercial Finance<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7f0f87a elementor-mobile-align-justify elementor-align-center elementor-widget-mobile__width-inherit elementor-widget elementor-widget-button\" data-id=\"7f0f87a\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/webinrealtime.com\/ecomtemp\/equipment-finance\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Equipment Finance<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-de728af elementor-mobile-align-justify elementor-align-center elementor-widget-mobile__width-inherit elementor-widget elementor-widget-button\" data-id=\"de728af\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/webinrealtime.com\/ecomtemp\/home-finance\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Home Finance<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1700b4c elementor-mobile-align-justify elementor-align-center elementor-widget-mobile__width-inherit elementor-widget elementor-widget-button\" data-id=\"1700b4c\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/webinrealtime.com\/ecomtemp\/wealth-insurance\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Wealth &amp; Insurance<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-935cc25 e-con-full e-flex e-con e-child\" data-id=\"935cc25\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-5ba961b e-con-full e-flex e-con e-child\" data-id=\"5ba961b\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-99f7266 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"99f7266\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">When is the right time to refinance?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-104e6a3 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"104e6a3\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>6 March 2024<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6025345 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"6025345\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"\" data-ninja-font=\"proximanova_light_normal_uhjve\">As a general rule of thumb, if it\u2019s been at least two years since you took out your home loan, it might be a good idea to review refinancing options.<\/p><p class=\"\" data-ninja-font=\"proximanova_light_normal_uhjve\">That\u2019s because lenders, which want to win your business, often charge lower interest rates to attract new borrowers, rather than their existing customers.<\/p><p class=\"\" data-ninja-font=\"proximanova_light_normal_uhjve\">Recent Reserve Bank data for owner-occupiers with variable-rate home loans found borrowers taking out new loans paid 0.16 percentage points in interest less than those with existing loans. Reducing your mortgage rate by just that amount could potentially save you many thousands of dollars over the life of your remaining loan term. And, if your finance broker got you a larger rate cut, your savings would be even more impressive.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7021cdd elementor-widget__width-initial elementor-widget elementor-widget-image\" data-id=\"7021cdd\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1006\" height=\"804\" src=\"https:\/\/webinrealtime.com\/ecomtemp\/wp-content\/uploads\/2025\/11\/RBA-Graph-OO-Variable-Housing-Rates-2019-to-2023.png\" class=\"attachment-large size-large wp-image-9640\" alt=\"\" srcset=\"https:\/\/webinrealtime.com\/ecomtemp\/wp-content\/uploads\/2025\/11\/RBA-Graph-OO-Variable-Housing-Rates-2019-to-2023.png 1006w, https:\/\/webinrealtime.com\/ecomtemp\/wp-content\/uploads\/2025\/11\/RBA-Graph-OO-Variable-Housing-Rates-2019-to-2023-300x240.png 300w, https:\/\/webinrealtime.com\/ecomtemp\/wp-content\/uploads\/2025\/11\/RBA-Graph-OO-Variable-Housing-Rates-2019-to-2023-768x614.png 768w\" sizes=\"(max-width: 1006px) 100vw, 1006px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2cdc105 e-con-full e-flex e-con e-child\" data-id=\"2cdc105\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3f5fe4e elementor-widget-mobile__width-initial elementor-widget elementor-widget-heading\" data-id=\"3f5fe4e\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">People typically refinance for one of four reasons:<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fa1ae1d elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"fa1ae1d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div data-draftjs-conductor-fragment=\"{&quot;blocks&quot;:[{&quot;key&quot;:&quot;8t0ju&quot;,&quot;text&quot;:&quot;People typically refinance for one of four reasons:&quot;,&quot;type&quot;:&quot;header-three&quot;,&quot;depth&quot;:0,&quot;inlineStyleRanges&quot;:[{&quot;offset&quot;:0,&quot;length&quot;:51,&quot;style&quot;:&quot;#2a514e&quot;},{&quot;offset&quot;:0,&quot;length&quot;:51,&quot;style&quot;:&quot;BOLD&quot;}],&quot;entityRanges&quot;:[],&quot;data&quot;:{}},{&quot;key&quot;:&quot;393i&quot;,&quot;text&quot;:&quot;To get a lower interest rate&quot;,&quot;type&quot;:&quot;ordered-list-item&quot;,&quot;depth&quot;:0,&quot;inlineStyleRanges&quot;:[],&quot;entityRanges&quot;:[],&quot;data&quot;:{}},{&quot;key&quot;:&quot;e4kvo&quot;,&quot;text&quot;:&quot;To change their loan structure or loan term&quot;,&quot;type&quot;:&quot;ordered-list-item&quot;,&quot;depth&quot;:0,&quot;inlineStyleRanges&quot;:[],&quot;entityRanges&quot;:[],&quot;data&quot;:{}},{&quot;key&quot;:&quot;23db3&quot;,&quot;text&quot;:&quot;To borrow against the equity in their property&quot;,&quot;type&quot;:&quot;ordered-list-item&quot;,&quot;depth&quot;:0,&quot;inlineStyleRanges&quot;:[],&quot;entityRanges&quot;:[],&quot;data&quot;:{}},{&quot;key&quot;:&quot;e5eck&quot;,&quot;text&quot;:&quot;To consolidate debt &quot;,&quot;type&quot;:&quot;ordered-list-item&quot;,&quot;depth&quot;:0,&quot;inlineStyleRanges&quot;:[],&quot;entityRanges&quot;:[],&quot;data&quot;:{}},{&quot;key&quot;:&quot;f6eac&quot;,&quot;text&quot;:&quot;&quot;,&quot;type&quot;:&quot;unstyled&quot;,&quot;depth&quot;:0,&quot;inlineStyleRanges&quot;:[],&quot;entityRanges&quot;:[],&quot;data&quot;:{}},{&quot;key&quot;:&quot;irtq&quot;,&quot;text&quot;:&quot;While refinancing can produce big benefits, there are also costs involved, so you need to weigh up all factors when deciding whether it's right for you.&quot;,&quot;type&quot;:&quot;unstyled&quot;,&quot;depth&quot;:0,&quot;inlineStyleRanges&quot;:[],&quot;entityRanges&quot;:[],&quot;data&quot;:{}}],&quot;entityMap&quot;:{}}\"><ol><li class=\"public-DraftStyleDefault-block public-DraftStyleDefault-ltr\" data-offset-key=\"flmua-0-0\"><span class=\"\" data-offset-key=\"flmua-0-0\" data-ninja-font=\"proximanova_light_normal_uhjve\">To get a lower interest rate<\/span><\/li><li class=\"public-DraftStyleDefault-block public-DraftStyleDefault-ltr\" data-offset-key=\"7g7u3-0-0\"><span class=\"\" data-offset-key=\"7g7u3-0-0\" data-ninja-font=\"proximanova_light_normal_uhjve\">To change their loan structure or loan term<\/span><\/li><li class=\"public-DraftStyleDefault-block public-DraftStyleDefault-ltr\" data-offset-key=\"hi0h-0-0\"><span class=\"\" data-offset-key=\"hi0h-0-0\" data-ninja-font=\"proximanova_light_normal_uhjve\">To borrow against the equity in their property (for renovations or an investment property deposit)<\/span><\/li><li class=\"public-DraftStyleDefault-block public-DraftStyleDefault-ltr\" data-offset-key=\"86s3t-0-0\"><span class=\"\" data-offset-key=\"86s3t-0-0\" data-ninja-font=\"proximanova_light_normal_uhjve\">To consolidate debt<\/span><\/li><\/ol><div class=\"\" data-block=\"true\" data-editor=\"63anc\" data-offset-key=\"ercru-0-0\"><div class=\"public-DraftStyleDefault-block public-DraftStyleDefault-ltr\" data-offset-key=\"ercru-0-0\"><span class=\"\" data-offset-key=\"ercru-0-0\" data-ninja-font=\"proximanova_light_normal_uhjve\">While refinancing can produce big benefits, there are also costs involved, so you need to weigh up all factors when deciding whether it\u2019s right for you.<\/span><\/div><\/div><\/div><p class=\"\" data-ninja-font=\"proximanova_light_normal_uhjve\">You should also think about refinancing if your personal or financial situation has changed, for example if:<\/p><ul><li class=\"\" data-ninja-font=\"proximanova_light_normal_uhjve\">your household income has risen<\/li><li class=\"\" data-ninja-font=\"proximanova_light_normal_uhjve\">your employment has become more secure<\/li><li class=\"\" data-ninja-font=\"proximanova_light_normal_uhjve\">your credit score has increased<\/li><li class=\"\" data-ninja-font=\"proximanova_light_normal_uhjve\">your kids have moved out<\/li><li class=\"\" data-ninja-font=\"proximanova_light_normal_uhjve\">you are expanding your family<\/li><\/ul><p class=\"\" data-ninja-font=\"proximanova_light_normal_uhjve\">Reach out if you\u2019re unsure how refinancing works, we can review the pros and cons that would apply to your personal situation.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2b3914b elementor-mobile-align-left elementor-align-left elementor-widget elementor-widget-button\" data-id=\"2b3914b\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">REQUEST A CALL BALL<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cdd0485 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"cdd0485\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>THE FINEPRINT: The information provided on this site is on the understanding that it is for illustrative and discussion purposes only. While all care and attention are taken in its preparation any party seeking to rely on its content or otherwise should make their own enquiries and research to ensure its relevance to your specific personal and business requirements and circumstances.<\/p><p>Green Finance Group Pty Ltd ACN 145 035 221 is authorised under LMG Broker Services Pty Ltd ACN 632 405 504 Australian Credit Licence 517192.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c7de7a4 e-con-full e-flex e-con e-child\" data-id=\"c7de7a4\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-0b39480 e-con-full e-flex e-con e-child\" data-id=\"0b39480\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d272398 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"d272398\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Would you like to know more?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a20d4bc e-con-full e-flex e-con e-child\" data-id=\"a20d4bc\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4e1c98d elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"4e1c98d\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Contact us<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-88169d2 e-con-full e-flex e-con e-child\" data-id=\"88169d2\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ffcc5ef elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"ffcc5ef\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<a class=\"elementor-icon\" href=\"mailto:hello@greenfinancegroup.com.au\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-envelope\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M502.3 190.8c3.9-3.1 9.7-.2 9.7 4.7V400c0 26.5-21.5 48-48 48H48c-26.5 0-48-21.5-48-48V195.6c0-5 5.7-7.8 9.7-4.7 22.4 17.4 52.1 39.5 154.1 113.6 21.1 15.4 56.7 47.8 92.2 47.6 35.7.3 72-32.8 92.3-47.6 102-74.1 131.6-96.3 154-113.7zM256 320c23.2.4 56.6-29.2 73.4-41.4 132.7-96.3 142.8-104.7 173.4-128.7 5.8-4.5 9.2-11.5 9.2-18.9v-19c0-26.5-21.5-48-48-48H48C21.5 64 0 85.5 0 112v19c0 7.4 3.4 14.3 9.2 18.9 30.6 23.9 40.7 32.4 173.4 128.7 16.8 12.2 50.2 41.8 73.4 41.4z\"><\/path><\/svg>\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ca1a5f9 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"ca1a5f9\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<a class=\"elementor-icon\" href=\"tel:0738992866\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" id=\"Layer_1\" x=\"0px\" y=\"0px\" viewBox=\"0 0 27.66 29.493\" xml:space=\"preserve\">                     <path d=\"M19.093,17.578c-0.948,1.131-2.188,2.261-2.188,2.261s-5.688-3.315-7.73-8.36c0,0,1.531-2.107,2.406-2.861                       c0.876-0.753,1.459-1.883-0.802-4.442C8.517,1.613,6.257-1.398,3.923,0.711C1.589,2.818-2.422,5.681,1.954,14.04                       C6.33,22.398,14.571,29.1,20.916,29.477c2.844,0.226,4.011-1.958,5.251-3.312c1.24-1.356,2.625-2.712,0-5.272                       C23.541,18.332,21.644,15.018,19.093,17.578\"><\/path>                     <\/svg>\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1fba1ba e-con-full e-flex e-con e-child\" data-id=\"1fba1ba\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-550cd28 elementor-widget elementor-widget-image\" data-id=\"550cd28\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"434\" src=\"https:\/\/webinrealtime.com\/ecomtemp\/wp-content\/uploads\/2025\/11\/When_is_it_time_to_refinance_image_1145px-1024x434.jpg\" class=\"attachment-large size-large wp-image-9663\" alt=\"\" srcset=\"https:\/\/webinrealtime.com\/ecomtemp\/wp-content\/uploads\/2025\/11\/When_is_it_time_to_refinance_image_1145px-1024x434.jpg 1024w, https:\/\/webinrealtime.com\/ecomtemp\/wp-content\/uploads\/2025\/11\/When_is_it_time_to_refinance_image_1145px-300x127.jpg 300w, https:\/\/webinrealtime.com\/ecomtemp\/wp-content\/uploads\/2025\/11\/When_is_it_time_to_refinance_image_1145px-768x325.jpg 768w, https:\/\/webinrealtime.com\/ecomtemp\/wp-content\/uploads\/2025\/11\/When_is_it_time_to_refinance_image_1145px.jpg 1143w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-518457d e-flex e-con-boxed e-con e-parent\" data-id=\"518457d\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-4813bd9 e-con-full e-flex e-con e-child\" data-id=\"4813bd9\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f208c5d elementor-widget-mobile__width-initial elementor-widget elementor-widget-heading\" data-id=\"f208c5d\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">LATEST When is the right time to refinance? ARTICLE<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a21f103 elementor-mobile-align-justify elementor-align-center elementor-widget elementor-widget-button\" data-id=\"a21f103\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/webinrealtime.com\/ecomtemp\/green-finance-group-wins-record-25-finance-awards-in-6-months\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">READ FULL STORY AND MORE<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3bbfb8d e-con-full e-flex e-con e-child\" data-id=\"3bbfb8d\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-1f64ed0 e-con-full e-flex e-con e-child\" data-id=\"1f64ed0\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2bb4fa1 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"2bb4fa1\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\"Green Finance Group wins record 25 finance awards in 6 months\"<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-57667ac elementor-widget elementor-widget-image\" data-id=\"57667ac\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"386\" height=\"28\" src=\"https:\/\/webinrealtime.com\/ecomtemp\/wp-content\/uploads\/2025\/11\/heading_icon1-1.png\" class=\"attachment-large size-large wp-image-7281\" alt=\"\" srcset=\"https:\/\/webinrealtime.com\/ecomtemp\/wp-content\/uploads\/2025\/11\/heading_icon1-1.png 386w, https:\/\/webinrealtime.com\/ecomtemp\/wp-content\/uploads\/2025\/11\/heading_icon1-1-300x22.png 300w\" sizes=\"(max-width: 386px) 100vw, 386px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-28c352a elementor-widget elementor-widget-image\" data-id=\"28c352a\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"600\" src=\"https:\/\/webinrealtime.com\/ecomtemp\/wp-content\/uploads\/2025\/11\/1.-LMAwards2023_Brokerage_of_the_year_600x600px.jpg\" class=\"attachment-large size-large wp-image-9041\" alt=\"\" srcset=\"https:\/\/webinrealtime.com\/ecomtemp\/wp-content\/uploads\/2025\/11\/1.-LMAwards2023_Brokerage_of_the_year_600x600px.jpg 600w, https:\/\/webinrealtime.com\/ecomtemp\/wp-content\/uploads\/2025\/11\/1.-LMAwards2023_Brokerage_of_the_year_600x600px-300x300.jpg 300w, https:\/\/webinrealtime.com\/ecomtemp\/wp-content\/uploads\/2025\/11\/1.-LMAwards2023_Brokerage_of_the_year_600x600px-150x150.jpg 150w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-770c2ef e-flex e-con-boxed e-con e-parent\" data-id=\"770c2ef\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-1f6ff35 e-con-full e-flex e-con e-child\" data-id=\"1f6ff35\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b37736b elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"b37736b\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Meet the Author<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-fdc50e3 e-con-full e-flex e-con e-child\" data-id=\"fdc50e3\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-6aafa51 e-con-full e-flex e-con e-child\" data-id=\"6aafa51\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-be66919 elementor-widget__width-initial elementor-widget elementor-widget-image\" data-id=\"be66919\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"314\" height=\"354\" src=\"https:\/\/webinrealtime.com\/ecomtemp\/wp-content\/uploads\/2025\/11\/Nathan_Baumgart_Green_Finance_Group_Photo_Web-314x354-3.png\" class=\"attachment-large size-large wp-image-9637\" alt=\"\" srcset=\"https:\/\/webinrealtime.com\/ecomtemp\/wp-content\/uploads\/2025\/11\/Nathan_Baumgart_Green_Finance_Group_Photo_Web-314x354-3.png 314w, https:\/\/webinrealtime.com\/ecomtemp\/wp-content\/uploads\/2025\/11\/Nathan_Baumgart_Green_Finance_Group_Photo_Web-314x354-3-266x300.png 266w\" sizes=\"(max-width: 314px) 100vw, 314px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e0e6188 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"e0e6188\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><i class=\"\" data-ninja-font=\"proximanova_light_normal_uhjve\">\u201cMy background in banking combined with the flexibility of being an independent finance broker means I can offer my clients the best of both worlds \u2013 I know bank process and policy inside out and I can provide a real choice of loans from a big range of banks, not just one.\u201d<\/i><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-52eee99 e-con-full e-flex e-con e-child\" data-id=\"52eee99\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7556fb8 elementor-widget elementor-widget-icon-box\" data-id=\"7556fb8\" data-element_type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tNathan Baumgart\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tFinance Consultant - Brisbane, Cairns\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5eb234b elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"5eb234b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>\u00a0<\/p><p>Whether you are a first homebuyer, an experienced property investor, wishing to renovate or upgrade, or you simply want to save money on your existing mortgage, Nathan has the lending knowledge and experience to help you find savings with a better home, car or personal loan.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ab93101 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"ab93101\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"tel:0407743961\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" id=\"Layer_1\" x=\"0px\" y=\"0px\" viewBox=\"0 0 27.66 29.493\" xml:space=\"preserve\">                     <path d=\"M19.093,17.578c-0.948,1.131-2.188,2.261-2.188,2.261s-5.688-3.315-7.73-8.36c0,0,1.531-2.107,2.406-2.861                       c0.876-0.753,1.459-1.883-0.802-4.442C8.517,1.613,6.257-1.398,3.923,0.711C1.589,2.818-2.422,5.681,1.954,14.04                       C6.33,22.398,14.571,29.1,20.916,29.477c2.844,0.226,4.011-1.958,5.251-3.312c1.24-1.356,2.625-2.712,0-5.272                       C23.541,18.332,21.644,15.018,19.093,17.578\"><\/path>                     <\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">0407 743 961<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-envelope\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M502.3 190.8c3.9-3.1 9.7-.2 9.7 4.7V400c0 26.5-21.5 48-48 48H48c-26.5 0-48-21.5-48-48V195.6c0-5 5.7-7.8 9.7-4.7 22.4 17.4 52.1 39.5 154.1 113.6 21.1 15.4 56.7 47.8 92.2 47.6 35.7.3 72-32.8 92.3-47.6 102-74.1 131.6-96.3 154-113.7zM256 320c23.2.4 56.6-29.2 73.4-41.4 132.7-96.3 142.8-104.7 173.4-128.7 5.8-4.5 9.2-11.5 9.2-18.9v-19c0-26.5-21.5-48-48-48H48C21.5 64 0 85.5 0 112v19c0 7.4 3.4 14.3 9.2 18.9 30.6 23.9 40.7 32.4 173.4 128.7 16.8 12.2 50.2 41.8 73.4 41.4z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Email Me<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.linkedin.com\/in\/nathan-baumgart-31113291\/\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fab-linkedin-in\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M100.28 448H7.4V148.9h92.88zM53.79 108.1C24.09 108.1 0 83.5 0 53.8a53.79 53.79 0 0 1 107.58 0c0 29.7-24.1 54.3-53.79 54.3zM447.9 448h-92.68V302.4c0-34.7-.7-79.2-48.29-79.2-48.29 0-55.69 37.7-55.69 76.7V448h-92.78V148.9h89.08v40.8h1.3c12.4-23.5 42.69-48.3 87.88-48.3 94 0 111.28 61.9 111.28 142.3V448z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">LinkedIn<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-86f616e elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"86f616e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>My career in finance began in the early 2000s with NAB, one of Australia\u2019s Top 5 banks, where I worked for over a decade securing funding and everyday banking solutions for both private and business clients.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-05cfcf4 elementor-mobile-align-left elementor-align-center elementor-widget elementor-widget-button\" data-id=\"05cfcf4\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/webinrealtime.com\/ecomtemp\/meet-the-team\/nathan-baumgart\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">VIEW FULL PROFILE<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c33dca1 e-flex e-con-boxed e-con e-parent\" data-id=\"c33dca1\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-c5d6355 e-con-full e-flex e-con e-child\" data-id=\"c5d6355\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f1884fe elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"f1884fe\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Contact Nathan today<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0d22f87 elementor-shape-circle elementor-grid-0 e-grid-align-center elementor-widget elementor-widget-social-icons\" data-id=\"0d22f87\" data-element_type=\"widget\" data-widget_type=\"social-icons.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-social-icons-wrapper elementor-grid\" role=\"list\">\n\t\t\t\t\t\t\t<span class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t<a class=\"elementor-icon elementor-social-icon elementor-social-icon-phone-alt elementor-repeater-item-e34259f\" href=\"tel:0407743961\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-screen-only\">Phone-alt<\/span>\n\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-phone-alt\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M497.39 361.8l-112-48a24 24 0 0 0-28 6.9l-49.6 60.6A370.66 370.66 0 0 1 130.6 204.11l60.6-49.6a23.94 23.94 0 0 0 6.9-28l-48-112A24.16 24.16 0 0 0 122.6.61l-104 24A24 24 0 0 0 0 48c0 256.5 207.9 464 464 464a24 24 0 0 0 23.4-18.6l24-104a24.29 24.29 0 0 0-14.01-27.6z\"><\/path><\/svg>\t\t\t\t\t<\/a>\n\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<span class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t<a class=\"elementor-icon elementor-social-icon elementor-social-icon-envelope elementor-repeater-item-bc68453\" href=\"https:\/\/webinrealtime.com\/ecomtemp\/meet-the-team\/nathan-baumgart\/#askme\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-screen-only\">Envelope<\/span>\n\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-envelope\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M502.3 190.8c3.9-3.1 9.7-.2 9.7 4.7V400c0 26.5-21.5 48-48 48H48c-26.5 0-48-21.5-48-48V195.6c0-5 5.7-7.8 9.7-4.7 22.4 17.4 52.1 39.5 154.1 113.6 21.1 15.4 56.7 47.8 92.2 47.6 35.7.3 72-32.8 92.3-47.6 102-74.1 131.6-96.3 154-113.7zM256 320c23.2.4 56.6-29.2 73.4-41.4 132.7-96.3 142.8-104.7 173.4-128.7 5.8-4.5 9.2-11.5 9.2-18.9v-19c0-26.5-21.5-48-48-48H48C21.5 64 0 85.5 0 112v19c0 7.4 3.4 14.3 9.2 18.9 30.6 23.9 40.7 32.4 173.4 128.7 16.8 12.2 50.2 41.8 73.4 41.4z\"><\/path><\/svg>\t\t\t\t\t<\/a>\n\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<span class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t<a class=\"elementor-icon elementor-social-icon elementor-social-icon-linkedin-in elementor-repeater-item-c2a5298\" href=\"https:\/\/www.linkedin.com\/in\/lance-king\/\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-screen-only\">Linkedin-in<\/span>\n\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fab-linkedin-in\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M100.28 448H7.4V148.9h92.88zM53.79 108.1C24.09 108.1 0 83.5 0 53.8a53.79 53.79 0 0 1 107.58 0c0 29.7-24.1 54.3-53.79 54.3zM447.9 448h-92.68V302.4c0-34.7-.7-79.2-48.29-79.2-48.29 0-55.69 37.7-55.69 76.7V448h-92.78V148.9h89.08v40.8h1.3c12.4-23.5 42.69-48.3 87.88-48.3 94 0 111.28 61.9 111.28 142.3V448z\"><\/path><\/svg>\t\t\t\t\t<\/a>\n\t\t\t\t<\/span>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Commercial Finance Equipment Finance Home Finance Wealth &amp; Insurance When is the right time to refinance? 6 March 2024 As a general rule of thumb, if it\u2019s been at least two years since you took out your home loan, it might be a good idea to review refinancing options. That\u2019s because lenders, which want to [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"site-sidebar-layout":"no-sidebar","site-content-layout":"","ast-site-content-layout":"full-width-container","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"disabled","ast-breadcrumbs-content":"","ast-featured-img":"disabled","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"footnotes":""},"class_list":["post-9628","page","type-page","status-publish","hentry"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/webinrealtime.com\/ecomtemp\/wp-json\/wp\/v2\/pages\/9628","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/webinrealtime.com\/ecomtemp\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/webinrealtime.com\/ecomtemp\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/webinrealtime.com\/ecomtemp\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/webinrealtime.com\/ecomtemp\/wp-json\/wp\/v2\/comments?post=9628"}],"version-history":[{"count":55,"href":"https:\/\/webinrealtime.com\/ecomtemp\/wp-json\/wp\/v2\/pages\/9628\/revisions"}],"predecessor-version":[{"id":11237,"href":"https:\/\/webinrealtime.com\/ecomtemp\/wp-json\/wp\/v2\/pages\/9628\/revisions\/11237"}],"wp:attachment":[{"href":"https:\/\/webinrealtime.com\/ecomtemp\/wp-json\/wp\/v2\/media?parent=9628"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}