Mortgage Refinance Solutions :: MoneyTips

Discover MoneyTips

Practical money information, tools and ideas for everyday Australians

MoneyTips is a monthly eZine designed to help Australians stay informed and build better everyday money habits. It brings together useful financial articles, current news, practical explainers and a regular MoneyTips podcast in one place.

Subscribers can explore financial calculators, browse a growing library of guides and eBooks, access audiobook content, and discover practical resources covering topics such as budgeting, borrowing, insurance, superannuation, investing and business finance.

MoneyTips articles and financial news
The MoneyTips podcast
Financial calculators and planning tools
eBook and audiobook resources
Practical information across a broad range of money topics

MoneyTips is designed for people who want useful information and resources they can explore at their own pace. Subscribe free to receive MoneyTips and discover new articles, news, tools and resources as they become available.

Continue to MoneyTips >>

The MoneyTips subscription form will open in a new window.

← Return to Mortgage Refinance Solutions

Finance News

Variable Rate Hikes Are Now Landing in Mortgage Budgets

10 Nov 2026: Paige Estritori

Australian mortgage holders are moving from rate speculation to repayment reality after the Reserve Bank of Australia lifted the cash rate target by 25 basis points to 4.85 per cent on 3 November 2026, with major and smaller lenders now passing through increases to variable home loan customers. - read more

Refinancers Face a Crucial Week as Rate Expectations Rise

03 Nov 2026: Paige Estritori

Australian mortgage holders enter the first week of November with interest-rate risk firmly back on the household budget agenda, after the cash rate rose to 4.60 per cent in late September and market pricing pointed to a meaningful chance of another increase at the Reserve Bank of Australia’s 3 November decision. - read more

Bigger Home Loans Add a New Refinance Test for Borrowers

15 Sep 2026: Paige Estritori

Recent housing finance data and property market reporting point to a familiar pattern: Australian buyers are taking on larger home loans as prices recover in several markets. For mortgage holders, that matters even if they are not planning to move. A bigger lending environment can reshape lender competition, valuation outcomes and the way banks assess refinance applications. - read more

More Borrowers Are Testing the Market as Refinance Momentum Builds

08 Sep 2026: Paige Estritori

Fresh lending momentum suggests Australian mortgage holders are becoming more active again, with refinancing moving back onto the household finance agenda after a period of caution. For many borrowers, the trigger is not simply the hope of a lower advertised rate. It is the broader pressure of higher repayments, tighter budgets and the realisation that existing customers can drift away from the sharpest offers unless they take action. - read more

Click for more Finance News

Home Loan Articles

The Pros and Cons of Refinancing When Interest Rates Are Climbing

Refinancing your home mortgage loan has become a significant conversation topic lately, especially with the current fluctuations in interest rates across Australia. For many homeowners, these discussions come in the context of rising interest rates, which can substantially affect monthly repayments. - read more

How Mortgage Brokers Are Regulated in Australia

Mortgage brokers can help Australian homeowners compare refinance options, but they also operate under licensing, conduct, disclosure and remuneration rules. Understanding these obligations can help you ask better questions before refinancing. - read more

How to Use Budgeting to Maximise Your Mortgage Refinance Options

Mortgage refinancing is the process of replacing your existing home loan with a new one, usually with better terms or conditions. It can provide Australian homeowners with an opportunity to reduce their monthly payments, lower interest rates, or switch to a different loan type that better suits their financial goals. - read more

Home Loan Refinance Eligibility in Australia

Refinance eligibility depends on more than finding a lower advertised rate. Australian lenders commonly assess income, expenses, credit history, home equity, LVR, property valuation and supporting documents before deciding whether to approve a refinance application. - read more

Knowledgebase

Debt-to-Income Ratio (DTI):
A personal finance measure that compares an individual's monthly debt payment to their monthly gross income.

This website is owned and operated by Clark Family Pty Ltd (ACN 010 281 008) as Trustee for the Clark Family Trust (ABN 35 957 893 714), 43 Larch Street Tallebudgera QLD 4228. It publishes general information, tools and resources about mortgage refinancing and related financial topics. The website may display third-party advertising.

IMPORTANT: This website provides general information and educational resources that do not take into account your objectives, financial situation or needs. We do not provide personalised financial advice or credit assistance, accept applications or quote requests, or refer visitors to brokers, lenders or insurers. We do not select or recommend products or providers for you. Before acting on information, consider its appropriateness for your circumstances and seek advice from a suitably qualified professional where needed. You should independently verify the credentials and licensing of any adviser or provider you engage. Visit the ASIC website for further information.