Can’t decide whether to refinance or not? Dear James, Interest rates are so low at the moment, some of my friends are telling me they have rates of 3.95% and I’m thinking of refinancing my home loan. However, I don’t know a lot about the costs of refinancing or what’s involved around changing my home loan. How do I know whether refinancing is a good idea or not? Help! Bianca, Bateau Bay Hi Bianca