Recent articles in the media such as this one have referred to the so-called “loyalty tax” or “lazy tax” - the price consumers pay for not comparing their options when taking out car insurance, home insurance, credit cards etc. This has me thinking - how much is enough to justify moving from one lender to another to refinance a home loan. Obviously the answer to this question is going to differ from person to person, and certainly cost is not the only factor when you’re we