Refinancing Strategies: When and How to Switch Your Home Loan in 2025
28th July 2025
With interest rates shifting and new loan products constantly entering the market, 2025 is a great time to review your home loan. Refinancing could help you save money, access better features, or consolidate debts, but it is important to know when it makes sense and how to do it the right way.
When to Consider Refinancing
- Your interest rate is no longer competitive – if other lenders are offering lower rates or better terms, it may be time to switch.
- You need more flexible features – features like offset accounts or redraw facilities can save you money over time.
- You want to access equity – refinancing can release funds for renovations, investments, or other big expenses.
- Your fixed rate is ending – review your options before reverting to a higher variable rate.
How to Refinance
- Review your current loan – know your current rate, fees, and loan features.
- Compare options – look at interest rates, comparison rates, and features from various lenders.
- Consider the costs – factor in exit fees, application fees, and Lender’s Mortgage Insurance if applicable.
- Get expert help – a mortgage broker can do the hard work for you, finding and negotiating the best deal.
Why Choose Regional Finance Solutions?
We work with a wide panel of lenders and do all the research and paperwork for you. Our team will assess your needs, compare options, and recommend the best refinancing solution. This ensures you get a loan that suits your lifestyle and saves you money where possible.
Talk to us today about refinancing your home loan. We can guide you through the process and help you make an informed decision.