23/09/2026
Here's a stat that'll blow your mind: 60% of Australians have never refinanced their home loan 🤯
That means 60% of borrowers are probably paying MORE than they need to.
For tradies specifically, refinancing can be powerful when your business income has grown. That $80k net profit from 3 years ago might be $120k now - which means you could:
• Get a better rate
• Access equity for investment
• Restructure to a better loan type
• Save thousands per year
BUT (and this is important): Don't refinance just because a bank offers you a rate 0.1% lower. Consider:
• Application fees
• Discharge fees from your current lender
• Valuation costs
• Your time
We do the math for you. If it doesn't save you at least $2k/year, we'll tell you to stay put 💪
Already have a home loan? When's the last time you checked if you're on a good rate?
