There are many reasons to consider why you should refinance. If your circumstances change, your existing loan may no longer be the most suitable for your needs. Other common reasons to refinance are to lower monthly commitments, either with finding a loan that costs you less or consolidating other higher-interest debts, such as credit cards into a home loan.
Rates on their own do not provide enough reason to change as there are frequently costs to switch to another lender.
Some of the options are described in the sub-menu on the left. Why not give me a call to see if you can save in your current repayments? Or perhaps you could benefit from a loan which has features to make management of your finances easier. You have nothing to lose by making an enquiry!