Everything you need to know about refinancing your home loan

Refinancing your home loan can provide a valuable opportunity to save money, access improved loan features or tap into home equity. But it’s a big step and it’s worth knowing what’s involved.

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In this guide:

  • Reasons to refinance your home loan

    Refinancing simply means taking out a new loan to pay out your current mortgage. There is a whole range of reasons why it's worth making the move to a new home loan.

  • The cost of refinancing

    Refinancing can save you money but there are costs involved. You need to weigh up these costs against the benefits of refinancing.

  • How much can you borrow?

    An important step in refinancing is determining how much you can afford to borrow.

  • The home loan that's right for you

    Here we look at the sorts of loans available and how they work.

  • Refinancing - Aussie makes it easy

    The process of refinancing can be quite straightforward. There are five key steps:

  • Questions to ask

    Before you sign a loan contract, you should have a clear idea about the costs of the loan and the features it offers. Here are some questions to ask your Aussie Mortgage Broker or lender before you pick up a pen.

  • The right time to refinance

    There are no hard and fast rules about the 'right' time to refinance your loan.

  • Summing up

    Refinancing can offer plenty of pluses, potentially providing a lower home loan rate, access to home equity or a loan with features better suited to your needs.

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