Refinancing When Your Fixed Rate Ends – What to Do 3–6 Months Before the Cliff
Refinancing When Your Fixed Rate Ends – What to Do 3–6 Months Before the Cliff When a fixed-rate home loan ends, your repayments can jump overnight — often by hundreds of dollars a month. The good news? With the right timing and strategy, you can avoid the “rate shock” completely and move onto a better…
The Loyalty Tax – Why Staying With One Bank Costs You More
The Loyalty Tax – Why Staying With One Bank Costs You More Banks love loyal customers — not because they reward you, but because loyalty often means you’re paying more than you should. This “loyalty tax” hits homeowners who stick with the same lender for years without checking whether their rate is still competitive. This…
The Real Cost of Refinancing – Fees, Cashbacks & Traps to Watch For
The Real Cost of Refinancing – Fees, Cashbacks & Traps to Watch For Refinancing can save you thousands — but only if you understand the costs involved. While many lenders offer cashback promotions and sharp rates, there are also fees, charges and timing traps that homeowners aren’t always aware of. This guide breaks down the…
What Banks Look At When You Refinance (Bank Statements, Spending, Credit & More)
What Banks Look At When You Refinance – Bank Statements, Spending, Credit & More Even if you already have a home loan, lenders still need to reassess your financial situation when you refinance. They’re checking that you can comfortably afford the new loan and that your recent financial behaviour supports your application. This guide breaks…
Rolling Debts Into Your Home Loan – When Debt Consolidation Helps (And When It Doesn’t)
Rolling Debts Into Your Home Loan – When Debt Consolidation Helps (And When It Doesn’t) If you’re juggling credit cards, personal loans or buy-now-pay-later balances, refinancing to consolidate debt can feel like a lifeline. Lower interest rates, one repayment and better cash flow — it all sounds like a no-brainer. But there are moments when…
Refinancing 101: How Aussie Homeowners Can Cut Their Repayments in 2025
Refinancing 101: How Aussie Homeowners Can Cut Their Repayments in 2025 Refinancing isn’t just about chasing the lowest rate — it’s about reshaping your loan so it actually suits your life today. Whether you want lower repayments, better features, cash-flow relief or a cleaner financial setup, reviewing your home loan regularly is one of the…