Hi Danidori,
Welcome to the forums.
I don't think you can refinance the two-step mortgage until the fixed rate period is over. This is what your loan contract must state legally and as such if you refinance, you will be breaking the contract rules. Still, you may talk to the lender on this issue. He may agree at the cost of you paying some kind of penalty.
Take Care
Welcome to the forums.
I don't think you can refinance the two-step mortgage until the fixed rate period is over. This is what your loan contract must state legally and as such if you refinance, you will be breaking the contract rules. Still, you may talk to the lender on this issue. He may agree at the cost of you paying some kind of penalty.
Take Care
You can refinance the loan even during the 7th year.