hi everyone, l am new to this forum, but just thought l would ask anyone if they have heard of Rhg home loans. Well, to be honest, we have a loan with them and were transferred to them without permission from rams to them last year. Anyway half of our loan is fixed for next 3 years. they are totally crap mortgage company, and we have to wait till then. Anyway, lm not sure if we would have to pay mortgage insurance again, if we re finance with another bank?