With you on your property journey.

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.

If the rate they are offering new customers is significantly lower than the rate you just wrote down, your loan may no longer be competitive.