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Refinancing

Refinance with a reason, not a reflex.

A good refinance pays for itself within months, and keeps paying for years. A bad refinance resets costs, extends the term, and moves you laterally for a headline that looks better on paper than it does in your account.

When to refinance

Rate, structure, cashflow, or access to equity.

There are four legitimate reasons to refinance, and one bad one. The four good ones are: a meaningfully lower rate, a better structural fit (switching to a loan with an offset, a split, or a different repayment profile), cashflow relief (consolidating higher-cost debt into the mortgage with the right ring-fencing), and accessing equity to fund the next move. The bad reason is reflex — refinancing because you saw an ad with a cashback offer, without actually comparing total cost over the remaining loan life.

The refinance conversation always starts with the numbers. Break costs on fixed loans, LMI reset if you're above 80% LVR, discharge and registration fees, and the real comparison between your current rate and the target rate over the remaining term. We'll model the full picture before recommending a move.

Where to start

Pick the refinancing conversation.

Home loan refinance
The standard rate-and-structure refinance, modelled end-to-end.
Refinance your loan
Debt consolidation
Rolling personal, car and credit card debt into the mortgage — when it makes sense and when it doesn't.
Consolidate debt
Cashback offers
The real maths behind cashback refinances — who benefits and who doesn't.
Cashback analysis
Annual rate review
Our free, automatic yearly loan review — built into every Hypercube engagement.
Rate review service
Q&A

Refinancing FAQs

Is it worth refinancing for a 0.3% rate drop?
Sometimes. On a $600k balance, 0.3% is roughly $1,800 a year in interest. If the discharge, registration and setup costs total $800, you've paid the switch off inside five months — the rest is saving. On a $200k balance with the same cost, the payoff window is much longer. Balance size and remaining loan term drive the answer.
What about break costs on my fixed loan?
Break costs on a fixed loan can be large, especially early in the fixed term. We calculate the break cost before anything else — if it's punitive, we usually recommend waiting until the fixed period ends.
How often should my loan be reviewed?
Every twelve months, minimum. Rate shifts, lender policy changes, and your own financial position all move over a year. The annual rate review is how we make sure you're not quietly paying a loyalty tax.
Will refinancing hurt my credit score?
A single, deliberate application has a minor temporary effect on your credit file. Scattering applications across five lenders in a month is what actually damages your score — so we only submit to the lender we've already selected.
General advice disclaimer. The information on this page is general in nature and does not take into account your personal objectives, financial situation or needs. You should consider whether it is appropriate for you before acting on it, and seek professional advice where relevant.

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