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How to Choose Between Mortgage Refinancing and a New Home Loan in 2026
For Australian borrowers in 2026, deciding whether to refinance your current mortgage or take out a brand-new home loan will feel more personal and important than ever. Lending practices continue to shift, property values keep adjusting and interest rates have calmed only after several turbulent years. With all of this moving at once, it’s essential to choose the option that genuinely fits your goals. Whether you want to lower repayments, access equity, or reshape your investment portfolio, understanding the difference between refinancing and starting fresh is key. Considering current rates, policy changes and the costs of refinancing or taking out…
Everything you need to know about refinancing your mortgage
Do you want to reduce your mortgage repayments? Are you ready to make your dreams of owning a holiday home a reality? Refinancing your mortgage may be the answer. If you’re like many Australians, your mortgage is likely your biggest financial commitment. While it’s great to know you’re building wealth every time you make a repayment, it’s important to think about how your mortgage impacts your overall wealth. With the current low-rate interest environment, now is a great time to strengthen your finances and take advantage of refinancing. Here’s everything you need to know about refinancing your mortgage. What is Refinancing? Also called…
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