hi TS thanks for the informative thread as this is something not everyone is well versed on

just curious those MRTA MLTA is fixed correct? as in you cant change or amend/reduce how much premium paid per year

if theres no financial problem but still wana get the money worth on the property is it wise to refinance say after a few years or do we need to ask for how much is the market currently to see the bigger picture or is there an XX year where refinancing is more worth