Renegotiating or refinancing your home loan is always an option which is available to you, if after a period of time you find that your current loan is not working for you. By approaching your current lender about adding certain loan features such as an offset account, or switching from a variable to fixed-rate loan structure, you might find that your lender is willing to accommodate your requests. If not, then you can consider approaching alternative lenders or a mortgage broker to explore the possibility of refinancing your loan to better suit your wishes.