Refinancing costs explained
A guide to common refinance costs such as discharge fees, application fees, valuation fees, government charges, break costs, and package fees.
Read guideRefinance guides
Refinance guides for reviewing your current home loan
Check the current loan, the problem you want solved, switching costs and documents before choosing between repricing, restructuring or changing lenders.
Popular guides.
Refinancing guide: how to review your home loan
A direct refinancing guide for reviewing your current loan, checking costs, comparing options, and deciding whether to speak with a broker.
Read guideCosts and numbers
Check the switch cost before applying
Refinance savings can change once discharge fees, break costs, LMI, cashback conditions, and loan-term resets are included.What documents do you usually need to refinance?
Prepare the current loan, income, property, debt and identity details commonly needed for a refinance review.
Read guideWhat to check before a fixed rate ends
Compare the revert rate, repayments, features and costs before choosing a variable, refix, split or refinance path.
Read guideLoan review
Compare refinance with staying put
A good review checks current-lender repricing and structure changes before assuming a lender switch is the answer.Home loan review guide: check whether your loan still fits
A guide to reviewing your current home loan after rate changes, income changes, fixed-rate expiry, renovations, or new property goals.
Read guideWhy an annual home loan review can be worth booking
Review whether the rate, repayments, features and loan structure still suit your household and property plans.
Read guideMortgage broker vs bank: what is the difference?
Compare speaking directly with one bank against having a mortgage broker review lenders available on their panel.
Read guideCalculators
Check the numbers.
Model the numbers here, then ask a broker to check the lender policy, fees and assumptions behind them.
Next step
Ready to check what applies to your loan?
These guides are general information. emoney can review your goal, lender options and documents before you make a loan decision.