Home Loan Tips & Resources

Cashback offers are one of the most tempting perks when refinancing a home loan. Some banks offer $2,000–$4,000 to attract new customers. But those deals aren’t given out for free. Lenders expect you to stick around for a while. And […]

Refinancing a home loan depends on one key question: can you afford the repayments? When your employment or income changes, that question gets more complicated. Here’s how lenders look at refinancing when you’re unemployed, on parental leave, or earning less […]

There’s no rule that limits how often you can refinance your home loan in Australia. If a lender is willing to approve you, you can technically refinance as often as you like. But just because you can, doesn’t always mean […]

If you’ve had your mortgage for a while, you may have noticed something frustrating. Your lender is offering lower rates to new customers, rates that are better than the one you’re currently on. This is known as the “loyalty tax,” […]

If you’re refinancing your home loan, chances are a valuation will be part of the process, especially if you’re switching lenders. The bank needs to know what your property is worth today so they can calculate your Loan-to-Value Ratio (LVR) […]

Refinancing depends on more than just your loan, it also depends on the value of your property. When prices fall, equity can shrink, and that may affect whether you’re able to switch lenders. The good news? A drop in value […]

Refinancing can be a smart way to lower your repayments or get a better loan—but like any financial decision, it’s important to understand the risks. Here are the main things to look out for. 1. Upfront Costs Might Outweigh the […]

If you’ve been paying off your mortgage for a few years and you’re thinking about refinancing, one question might be holding you back. Will your loan go back to 30 years? It’s a common concern, and it’s not an unreasonable […]

If you’re trying to lower your home loan repayments, two terms often come up: refinancing and repricing. They both aim to save you money, but they do it in different ways. This article breaks down how they work, when to […]

If you’ve looked into refinancing recently, you’ve probably seen banks offering a few thousand dollars just for switching your loan. These are known as refinance cashback offers. They sound simple enough. Take out a new loan, get a lump sum […]