Mortgage
How to Refinance Your Australian Home Loan and Save on Interest in Australia
Refinancing your home loan can cut your interest rate and save thousands over the life of the loan. Learn when it makes sense and how to do it.
Jack Sullivan
Author
Writes about Australian home loans: offset accounts, lender mortgage insurance (LMI), and comparison rates, helping buyers and refinancers weigh the real cost of borrowing beyond the headline rate.
- home-loans
- refinance
- offset-account
- home-buying
Published articles
Mortgage
First Home Buyer's Guide to Getting a Home Loan in Australia
A step-by-step listicle for Australian first-time buyers covering deposit requirements, loan types, pre-approval, and government schemes that can help you into the property market.
Mortgage
How to Calculate Rental Yield for Investment Properties in Australia
Learn how rental yield helps you assess investment property performance and what metrics separate strong property investments from weak ones in the Australian market.
Mortgage
How to Calculate Lenders Mortgage Insurance (LMI) in Australia
Understand how LMI premiums are calculated on high-LVR home loans in Australia and use our calculator to estimate your cost before you apply.
Mortgage
Lenders Mortgage Insurance Versus Saving a Larger Deposit: Which Costs Less Overall in Australia
Compare the true cost of paying LMI to enter the market sooner against waiting to save a 20 per cent deposit, with worked examples for Australian home buyers.
Mortgage
Using Your Property Equity to Invest or Renovate in Australia
Learn how Australian homeowners can access the equity in their property to fund investments or home improvements, and understand the risks and requirements involved.
Mortgage
How to Compare Home Loan Comparison Rates in Australia
Learn how to evaluate comparison rates effectively when shopping for a home loan, including what the rate includes, how to use it alongside other factors, and common mistakes to avoid.
Mortgage
Split Home Loans in Australia: Should You Fix Part and Keep Part Variable?
A split home loan lets you divide your borrowing between fixed and variable rates. Compare the benefits and trade-offs against full fixed or full variable loans to decide which structure suits your goals.
Mortgage
SMSF Property Loans Versus Other Investment Options in Australia
Compare self-managed super fund property loans against standard investment loans and managed super funds to choose the right property investment strategy for your retirement.
Mortgage
How Debt-to-Income Ratio Affects Home Loan Approval in Australia
A practical checklist for understanding and managing your debt-to-income ratio to improve your home loan approval chances in Australia.
Mortgage
How to Avoid or Reduce Lenders Mortgage Insurance (LMI) in Australia
Compare strategies to avoid or reduce LMI costs when buying property in Australia, including deposit options, guarantor loans, government schemes, and professional waivers.
Mortgage
How to Use Your Tax Refund Toward Your Mortgage Offset Account in Australia
Depositing your tax refund into your mortgage offset account can save you thousands in interest while keeping your money accessible.
Mortgage
How the RBA July Rate Decision Affects Home Loans in Australia
The Reserve Bank of Australia's July board meeting sets the cash rate, directly influencing variable home loan rates and monthly repayments for Australian borrowers.
Mortgage
Property Tax Deductions in Australia: Finalising Your Claim Before October 31
The October 31 deadline for individual tax returns is approaching. Here's what rental property owners need to know about claiming deductions and finalising their EOFY claim.
Mortgage
Mortgage Offset Accounts in Australia: How They Work and How Much You Can Save
An offset account can reduce the interest you pay on your home loan by thousands of dollars each year. Here's how offset accounts compare to redraw facilities and standard loans, and whether one suits your situation.
Mortgage
10 Smart Reasons to Refinance Your Home Loan in Australia That Go Beyond the Interest Rate
Refinancing offers more than just a lower rate. Discover how switching lenders can unlock offset accounts, access equity, remove LMI, consolidate debt, and give you better loan features tailored to your goals.
Mortgage
Mid-Year Investment Property Performance Review in Australia
A mid-year review helps Australian landlords check whether a rental property is still meeting its income, debt, tax and risk goals. Focus on rent, loan costs, deductible expenses, cash flow, equity and the next six months of repairs or refinancing decisions.
Mortgage
What Major Bank Mortgage Rate Cuts Mean for Borrowers in Australia
Some Australian lenders have cut selected fixed home loan rates, but that does not automatically mean every borrower should fix. Compare the rate, comparison rate, fees and flexibility before switching.
Mortgage
Mortgage Stress in Australia: Hard Choices Between Healthcare and Home Loans
As interest rates rise, many Australian households are facing severe mortgage stress, forcing a dangerous trade-off between keeping their homes and funding essential healthcare.
Mortgage
Stamp Duty Calculator in Australia: How Much You Pay by State and Territory
Stamp duty can be one of the biggest upfront costs when buying property in Australia. Estimate it by state or territory before you set your deposit target or sign a contract.
Mortgage
Mortgage Interest Rates in Australia Reverse Course and Rise (June 2026)
After months of declines, Australian mortgage and refinance rates rose in June 2026, reversing the downward trend borrowers had grown accustomed to.
Mortgage
How to Use Home Equity Wisely in Australia (2027 Guide)
Learn how to access and use your home equity responsibly, from calculating available equity to choosing the right method for your financial goals.
Mortgage
Rate Lock Strategy for Australian Buyers Planning to Settle in Summer
Learn how to time your fixed-rate lock when planning summer settlement, protect against rate rises, and avoid costly mistakes during peak property season.
Mortgage
What Is Lenders Mortgage Insurance in Australia
Lenders mortgage insurance (LMI) is a one-off fee that protects your lender if you default on your home loan, typically required when your deposit is less than 20 per cent.
Mortgage
Post-RBA Decision Refinance Window: Understanding Rate-Change Opportunities for Australian Borrowers
When the Reserve Bank changes the cash rate, a brief refinance window opens. Here is how Australian borrowers can assess whether to switch lenders in the days following an RBA decision.
Mortgage
When Does It Make Sense to Refinance Your Mortgage in Australia
Learn when refinancing your home loan can save you money and how to decide if switching lenders is the right move for your financial situation.