If you need capital, then getting a new financial arrangement for your property is the way to go. For a lot of people, home equity is the only viable source for new capital when doing a home refinance. This type of arrangement can be obtained at a reasonable expense. Instead of paying down your housing loan which charges low interest rates of less than 3 per cent, you can consider investing your cash in a stable investment that is not subject to large price fluctuations and offers higher returns than fixed deposits. This is one of the more wiser moves to make.