Should you refinance after the latest rate rise?
With the RBA lifting rates again, many mortgage holders are asking the same question: should I refinance, restructure, or just sit tight? In this episode of The Brokers’ Lounge, Eddie and Carlo break down what the latest rate rise means for repayments, household cash flow and the pressure many borrowers are feeling right now. They also unpack when refinancing can make sense, including lowering repayments, improving cash flow, consolidating debt, accessing equity or getting a better loan structure. But it’s not always about chasing the lowest rate. From cashback traps and hidden fees to extending your loan term and assuming approval is automatic, this episode covers the common refinancing mistakes borrowers need to avoid. If your loan hasn’t been reviewed in a while, this episode is a timely reminder to check your rate, understand your structure and speak with a broker before making any major decisions. Hit follow, leave a review, and share this episode with someone who needs to review their home loan. ⏱️ Timestamps: 00:00 Intro 02:06 What the latest rate rise means for borrowers 03:17 How higher repayments affect household cash flow 07:10 Why reviewing your loan matters 09:42 Signs you could be overpaying 13:18 When refinancing actually makes sense 16:03 Refinancing traps to avoid 23:45 What to check before speaking with a broker ------- Follow us for more: Eddie: / eddiemalaeb Carlo: / carlo.link.wealth Link Wealth Finance: https://www.linkwealthfinance.com.au/ Want to chat with an expert mortgage broker? FREE 30-minute Clarity Call: https://outlook.office.com/book/Eddie... About The Broker's Lounge 🏘️ Welcome to The Broker's Lounge with Eddie & Carlo - the podcast where we make the world of mortgages and finance feel a whole lot less intimidating. If you're here, chances are you're thinking about buying a home, maybe your first, or maybe you've been down this road before. Either way, you're in the right place. Disclaimer: The information contained within this podcast is general in nature and does not take into account your personal circumstances. Please reach out if you wish to discuss your personal situation.
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