Consultancy fee perhaps?

The thing is we need to understand the product/package that you're trying to sell here. If it's really helped us in financial benefits, I don't mind that you earns some cash off me. I understand the concept of no free-lunch-thing. I just don't want pay for some so called "valuable talks" that we've already knew it long time ago.

Well it depends. What if prepayment makes it worst than before for a person's portfolio or not as good as refinance perhaps? We all know the banker trying to squeeze as much money as they can from us.