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ยฉ 2026 MakeMyLoan Pty Ltd ยท Credit Representative 389087, authorised under Australian Credit Licence ACL 548289. All loan applications are subject to lender assessment and approval. Calculator results are estimates only and do not constitute credit advice or an offer of credit. Comparison rates are based on a $150,000 loan over 25 years and may not reflect the true cost of your loan. Consider whether any product is right for your circumstances โ€” a licensed MakeMyLoan Pty Ltd broker will review every recommendation with you and provide a credit guide before any credit assistance is given. Call us on 1300 888 369 or email hello@makemyloan.com.au.
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Guides / Refinance

Refinance guides

Broker-written guides on refinance โ€” what lenders look for, what things cost, and how to get a better outcome.

Home LoansCredit & ApprovalRefinanceFirst Home BuyersInvestment LoansBusiness LoansCommercial FinanceCar LoansAsset FinanceSMSF LoansPersonal LoansBridging Finance
Signing loan paperwork with a penRefinance

The loyalty tax: why long-term customers often pay more โ€” and how to fight it

Existing borrowers often pay more than new customers at the same lender. How the loyalty tax works, how to run a repricing request, and what evidence helps.

5 min readยท11 July 2026
Signing loan paperwork with a penRefinance

Debt consolidation through refinancing: relief, risk and the honest maths

Rolling personal loans, car loans and cards into your mortgage can ease cash flow โ€” or turn short-term debt into 30 years of interest. The balanced picture.

6 min readยท11 July 2026
Modern minimalist white home on a sunny dayRefinance

Refinance cashback offers: how to work out if they're actually worth it

Cashback offers can be genuine value or an expensive distraction. How to weigh upfront cash against the rate you'll pay, clawback conditions and churn risk.

6 min readยท11 July 2026
Modern minimalist white home on a sunny dayRefinance

The fixed rate cliff: what happens when your fixed term ends

When a fixed rate expires your loan rolls to the revert rate โ€” often much higher. How to time your review and choose between re-fixing, variable or refinancing.

5 min readยท11 July 2026
Loan comparison charts on a laptopRefinance

When should you refinance? The signals that matter โ€” and when to stay put

The signals it's time to refinance โ€” rate creep, fixed expiry, equity milestones, life changes โ€” and the situations where refinancing can leave you worse off.

6 min readยท10 May 2026
Loan comparison charts on a laptopRefinance

How to refinance your home loan: the full process, step by step

The complete refinance process explained: auditing your current loan, comparing lenders, applying, discharge and settlement โ€” plus the real costs involved.

6 min readยท9 May 2026
Ready when you are

Explore our refinance options

See how MakeMyLoan brokers compare lenders and structure refinance โ€” no obligation, no jargon.

Refinance โ€” see your options