09/10/2026
There’s no set number of times you can refinance your home loan.
But refinancing isn’t something you need to do just because you can. Each time, it’s worth looking at what you have now and what you could get by making a change.
Things to consider include:
-Your current interest rate
-Loan features, like an offset account
-Any fees or costs to switch
-Whether the new loan still suits your needs
A mortgage broker can help you compare your current loan with other options and understand whether refinancing makes sense for you.