# Tips for borrowers

## 🧠 Keep your loans healthy

* If you keep your loan healthy (i.e. at a reasonable LTV), it is *highly likely* that it will be refinanced via auction if you receive a refinancing call
* Higher LTV loans may not benefit from the same level of lender appetite, potentially resulting in a higher number of refinancing calls and unsuccessful refinance attempts
* Remember to check in regularly to monitor your loans and make partial repayments (to lower your LTV) if necessary

## 🧠 Subscribe to notifications

In order to avoid missing important notifications such as refinancing calls, **we strongly recommend** subscribing to Banx notifications using:

* Discord 
* Telegram 
* Email

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