Refinance or consolidate at up to 60% LTV

Your refinanced or consolidated standard loans can now start with an LTV of up to 60%. Previously, refinancing required a 50% initial LTV, the same requirement as when opening a new standard loan. Also, while you still must pay outstanding interest, it no longer counts toward the LTV calculation. Together, these improvements let you refinance or consolidate in more scenarios without topping up collateral or making partial repayments.