One Refinance. Thousands Saved.

Is your home loan working as hard as you are in 2026?

With the Australian mortgage market moving into a new phase in 2026, the gap between the “average” rate and the “best” rate has widened. If you haven’t reviewed your mortgage in the last 12–18 months, there’s a strong chance you’re paying a “loyalty tax” to your current lender.

The “Refinance Window” of 2026

Research shows that by switching from an average variable rate to a more competitive offer, an Australian household with a $600,000 loan could save approximately $1,965 in just one year. Over the life of a loan, these small adjustments can translate into nearly $90,000 in interest saved.

Why Australians are Refinancing Right Now

While saving money is the top driver, 2026 is seeing a shift in how people use their home loans as financial tools:

Lowering Monthly Stress: Dropping your rate by just 1% on a $500,000 loan can free up roughly $350 per month—giving your household budget much-needed breathing room.
Unlocking “Hidden” Equity: Many properties saw value growth through 2024 and 2025. Refinancing allows you to tap into that equity to fund renovations, consolidate higher-interest debts (like car loans or credit cards), or secure a deposit for an investment property.
Accessing Modern Features: Older loans often lack the flexibility of modern products. Refinancing can give you access to offset accounts—which save interest by using your savings balance—and redraw facilities for emergency funds.

What to Watch Out For (The “Fine Print”)

A smart refinance requires looking beyond the headline rate. To ensure the move is actually profitable, we help you calculate the break-even point:

Closing Costs: Expect discharge fees from your old lender ($350–$500) and potential application or valuation fees with the new one.
The 20% Rule: If your equity has dipped below 20%, you may be charged Lenders Mortgage Insurance (LMI) again, which can outweigh the interest savings.
The Loan Clock: Avoid “restarting” a 30-year term if you’ve already been paying your loan for five years. We ensure your new loan matches your remaining term so you don’t pay more interest in the long run.

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Thumbnail Image: Use the photo of the smiling couple sitting among moving boxes, holding the “Our First House” sign.
The Caption: “The couple who bought their first home two years ago could be sitting on thousands in untapped savings. Discover how a 2026 refinance review could put more cash back in your pocket.”

The 2026 Refinance Checklist

Step	Action
1. Equity Check	Estimate your current home value minus your loan balance.
2. Rate Comparison	See how your current rate stacks up against 2026 market leaders.
3. Cost Audit	Factor in discharge fees and any break costs for fixed rates.
4. Feature Match	Decide if you need an offset account or redraw facility.