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Hi, forgot to mention in my earlier post, you are on a great salary , its sizeable chunk , I wish I would get that, you def have the room to make improvements by making hard choices good luck

Hi, welcome to the forum, you def have come to the right place I could come up with below 1 refinance to get a better rate, you have a decent mortage size so would def be able to get better rates, talk to any broker on this forum (PT, Aaron, Rolf, others) 2 If not refinance change the...