Refinancing As part of our ongoing review process, PI Finance will provide you with a full review of your existing financial products to ensure they are still suitable for your current needs and competitive in the current market. Options will then be presented to you that may save you money, improve your financial position and provide you with a better product for your current and future needs. The Australian Banking Reforms are paving the way to empower you as the consumer to get a better deal, support smaller lenders to compete with the big banks and secure the long term sustainability of our financial system. One of the recent reforms was the ban on early exit fees (sometimes referred to as a Deferred Establishment Fee) from 1st July 2011. This is a big step in empowering you to be able to make a lender switch without a huge cost.