Refinancing
15 articles. Finfident guides on refinancing: practical home loan information for Australians.
RefinancingRefinance Cashback Offers: Are They Worth It?
Lenders offer $2,000 to $4,000 cashback to refinancers. Here's how to tell if a cashback deal really beats a lower rate, and the conditions to check first.
RefinancingCan You Refinance With Less Than 20% Equity?
Your home's value has dropped or you bought with a small deposit. Can you still refinance? Here's how LMI, valuations and lender policy work above 80% LVR.
RefinancingHow to Negotiate a Lower Home Loan Rate With Your Bank
You can often get a lower home loan rate with one phone call. Here's exactly what to say, what to have ready, and what to do if your bank says no.
RefinancingRefinancing When Property Values Are Falling: What to Know
Home values have fallen in Sydney and Melbourne in 2026. Here's how a lower valuation affects refinancing, LMI and your rate, and how to work around it.
RefinancingDoes Refinancing Hurt Your Credit Score?
Refinancing adds an enquiry to your credit file, but the impact is usually small and short-lived. Here's how it works and how to avoid unnecessary damage.
RefinancingYour Fixed Rate Is Ending: What to Do Before It Rolls Over
When your fixed rate home loan ends, you'll usually roll onto a higher revert rate. Here's what to do 90 days out, your options, and how to avoid payment shock.
RefinancingRefinancing an Investment Loan: Rates, Interest Only and Tax
How to refinance an investment property loan in 2026: getting a sharper rate, interest-only options, cash out, and keeping your interest deductions intact.
RefinancingHow to Refinance Your Home Loan: A Step-by-Step Guide
How refinancing works in Australia from start to finish: comparing loans, documents, valuation, approval, discharge and settlement. Typical timelines included.
RefinancingRefinancing After an Income Change: Parental Leave, New Job, Part-Time
New job, parental leave, going part-time or self-employed? Here's how lenders assess changed income when you refinance, and what documents help.
RefinancingHow Much Does It Cost to Refinance a Home Loan in Australia?
Discharge fees, government fees, break costs and LMI: here's what refinancing actually costs in Australia, and how to work out if it's still worth it.
RefinancingWhen Is the Right Time to Refinance Your Home Loan?
Six signs it's time to refinance your home loan, from your fixed rate ending to a rate gap of 0.30% or more. Plus when refinancing isn't worth it.
RefinancingRefinancing to Consolidate Debt: When It Helps and When It Hurts
Rolling car loans and credit cards into your mortgage can cut repayments by hundreds a month. How debt consolidation works, and the trap to avoid.
RefinancingMortgage Prisoners: What to Do If You Can't Refinance
Stuck on a high rate because you can't pass a new lender's assessment? Here's why mortgage prisoners exist in 2026 and the practical options still open to you.
RefinancingThe Loyalty Tax: Why Long-Term Borrowers Often Pay More
Many existing borrowers pay more than new customers at the same bank. Why the mortgage loyalty tax exists, how to check if you're paying it, and what to do.
RefinancingCash-Out Refinance: Using Home Equity to Fund a Renovation
How to release equity from your home for a renovation, what lenders need to see, how much you can access, and smarter ways to structure the extra borrowing.
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