With you on your property journey.

The buffer has always been part of the lending process, but it carries more weight in the current environment.

Refinancing means replacing your current home loan with a new one, sometimes with a different lender or different terms.

Refinancing is the natural moment to pick up the features your current loan lacks, as long as those home loan features are going to be utilised or beneficial to you.

Repayments are higher than borrowers may have planned for. The Australian Bureau of Statistics backs this up.

You do not need to arrive with everything figured out. Just knowing your current lender’s name and a rough idea of your loan balance is enough.

Refinancing tends to make the most financial sense for borrowers who have held their loan for two or more years.

Cashback deals are not inherently bad. They are simply often marketed in a way that emphasises the exciting number and minimises the interest rate conversation.

Certainty is the main reason people choose to fix. If you know exactly what your repayment will be every month, budgeting becomes straightforward. There are no surprises if the RBA lifts rates during your fixed term.

With your mortgage, the cost of doing nothing is not neutral. Every month you stay on an uncompetitive rate is a month you are paying more than you need to.