GUIDES
The Refinance Savings Guide
A practical guide for professionals reviewing their current interest rate, repayments, loan structure, equity position and lender options.
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What The Guide Covers
✓ When to review your home loan
✓ How to compare interest rates across lenders
✓ How to compare repayments — P&I vs interest-only
✓ Offset and redraw review
✓ Fixed rate expiry planning
✓ Equity release options
✓ Debt consolidation strategy
✓ Income reassessment at a new lender
✓ Refinance costs — exit, discharge and establishment fees
✓ Questions to ask before switching lenders
When To Review Your Loan
A refinance review may be worth considering when your interest rate changes, your fixed rate is ending, your income has changed, your property value has increased, your repayments feel too high or you are planning to buy another property.
A refinance review should not only focus on rate. It should also consider loan structure, lender policy, future borrowing capacity, offset account use and the costs of switching.
What To Check Before Refinancing
✓ Current rate and comparison rate
✓ Current repayments and remaining loan term
✓ Offset balance and redraw availability
✓ Fixed or variable rate status
✓ Break costs if in a fixed rate period
✓ Discharge fees at current lender
✓ Establishment fees at new lender
✓ Property valuation estimate
✓ Income assessment at new lender
✓ Credit profile and existing liabilities
✓ Future property or investment goals
Refinance Pathways By Profession
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Doctors
Doctors may need lenders that understand medical professional policies and income.
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Dentists
Dentists may need lender policy that considers practice income and business commitments.
Refinance Savings Calculator
Estimate how repayments may change when comparing rates
Related Resources
Ready To Review Your Current Loan?
Book a refinance review and we’ll assess your rate, repayments, equity, income treatment, loan structure and lender options.
General information only. Lending eligibility, LMI waiver policies, rates and approval outcomes vary by lender and are subject to assessment.