Free guide
The Refinancer's Guide.
Everything you need to know about refinancing your home loan, from comparing rates and repayments to understanding your options, accessing equity, switching lenders and the costs involved - all written in plain English.
What's inside
A smarter way to think about refinancing.
01
Is your home loan still right for you?
Understand why your loan may need a review as your rates, property value, income, priorities and plans change.
02
The true cost of refinancing
Look beyond the new rate and understand switching costs, break-even points and whether the savings are actually worth it.
03
Rate vs the whole loan
Compare the things that really matter - rate, fees, loan term, repayments, offset, redraw, flexibility, structure and your future goals.
04
What could your equity help you do?
Understand how the equity you’ve built could support your next move - from renovating or investing to growing a business or creating a financial buffer.
05
When refinancing may NOT make sense
Because the right answer isn’t always to switch. Learn when staying with your current lender could actually be the better decision.
06
PLUS:
Your Heart Refinance Checklist
12 questions to ask yourself before you make a move.
Why we wrote it
Because refinancing should be about more than getting a lower rate.
Your home loan might have been right when you took it out. But your life, your property, your finances and your goals may have changed since then.
We created this guide to help you step back, understand your options and ask the right questions before you make a move.
Because sometimes refinancing makes sense. And sometimes staying exactly where you are is the better decision.
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