[{"@context":"https:\/\/schema.org\/","@type":"BlogPosting","@id":"https:\/\/truthgroup.com.au\/2026\/04\/09\/refinancing-in-2026-australia-should-you-refinance-fix-or-stay-variable\/#BlogPosting","mainEntityOfPage":"https:\/\/truthgroup.com.au\/2026\/04\/09\/refinancing-in-2026-australia-should-you-refinance-fix-or-stay-variable\/","headline":"Refinancing in 2026 Australia: Should You Refinance, Fix, or Stay Variable?","name":"Refinancing in 2026 Australia: Should You Refinance, Fix, or Stay Variable?","description":"Refinancing your home loan in 2026 involves more than just obtaining a lower interest rate; it should align with your financial goals and circumstances. Key factors to consider include interest rate trends, loan structures (fixed, variable, or split), and personal financial strategies, ensuring your mortgage suits your future plans.","datePublished":"2026-04-09","dateModified":"2026-04-09","author":{"@type":"Person","@id":"https:\/\/truthgroup.com.au\/author\/nicholasparpistruthpropertycomau\/#Person","name":"Nicholas Parpis","url":"https:\/\/truthgroup.com.au\/author\/nicholasparpistruthpropertycomau\/","identifier":216551164,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/f6058d552df68dbaf53120d13f9e89fc9834e3e1ba22039065b40df84bd9df29?s=96&d=identicon&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/f6058d552df68dbaf53120d13f9e89fc9834e3e1ba22039065b40df84bd9df29?s=96&d=identicon&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"Truth Group Pty Ltd","logo":{"@type":"ImageObject","@id":"https:\/\/truthgroup.com.au\/wp-content\/uploads\/2026\/02\/TRUTH-GROUP-2.png","url":"https:\/\/truthgroup.com.au\/wp-content\/uploads\/2026\/02\/TRUTH-GROUP-2.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/i0.wp.com\/truthgroup.com.au\/wp-content\/uploads\/2026\/04\/truth-group-pty-ltd-69d5ecec19b66.jpg?fit=1024%2C1024&ssl=1","url":"https:\/\/i0.wp.com\/truthgroup.com.au\/wp-content\/uploads\/2026\/04\/truth-group-pty-ltd-69d5ecec19b66.jpg?fit=1024%2C1024&ssl=1","height":1024,"width":1024},"url":"https:\/\/truthgroup.com.au\/2026\/04\/09\/refinancing-in-2026-australia-should-you-refinance-fix-or-stay-variable\/","video":{"@context":"http:\/\/schema.org\/","@type":"VideoObject","@id":"https:\/\/www.youtube.com\/watch?v=LjqxF2U_FvE#VideoObject","contentUrl":"https:\/\/www.youtube.com\/watch?v=LjqxF2U_FvE","name":"Thinking about refinancing your home loan in 2026?","description":"Before making any decisions, it\u2019s important to understand your options \u2014 because refinancing is not just about chasing the lowest rate, it\u2019s about choosing the right structure for your situation.\n\nIn this video, we break down:\n\nWhen refinancing may make sense\nThe current interest rate outlook in Australia\nFixed vs variable vs split home loans\nThe pros and cons of each option\nHow to approach refinancing strategically\nWatch & Learn\n\nIf you\u2019re unsure whether to refinance, this video will help you understand how different loan structures work and what factors actually matter when reviewing your mortgage.\n\nRefinancing decisions should be based on your income, goals, risk tolerance, and future plans \u2014 not just interest rates.\n\nChoosing between fixed, variable, or a split loan can impact:\n\nCash flow\nFlexibility\nLong-term financial strategy\nProperty investment plans\nConsider Your Options\n\nA tailored approach is key.\nWhat works for one borrower may not suit another.\n\nThat\u2019s why reviewing your current loan and comparing options is an important step before refinancing.\n\nBook a Consultation - https:\/\/truthgroup.com.au\/contact-truth-group\/\n\nIf you\u2019re considering refinancing, the next step is to review your current loan and assess your options properly.\n\n\ud83d\udc49 Book a consultation to:\n\nReview your current mortgage\nCompare refinance options\nExplore suitable loan structures\nAlign your loan with your financial goals\n\ud83c\udfc1 Become a Client\n\nA structured refinance strategy can help you:\n\nImprove your loan position\nIncrease flexibility\nOptimise cash flow\nSupport property investment goals\n\nIf you're ready to take the next step, reach out and we can go through your situation in detail.\n\n#refinance  #mortgagebrokersydney  #homeloan2026 #fixedvsvariable #splithomeloan #interestratesaustralia #propertyinvestmentfinance #refinancestrategy","thumbnailUrl":["https:\/\/i.ytimg.com\/vi\/LjqxF2U_FvE\/default.jpg","https:\/\/i.ytimg.com\/vi\/LjqxF2U_FvE\/mqdefault.jpg","https:\/\/i.ytimg.com\/vi\/LjqxF2U_FvE\/hqdefault.jpg","https:\/\/i.ytimg.com\/vi\/LjqxF2U_FvE\/sddefault.jpg","https:\/\/i.ytimg.com\/vi\/LjqxF2U_FvE\/maxresdefault.jpg"],"uploadDate":"2026-04-08T05:49:28+00:00","duration":"PT1M27S","embedUrl":"https:\/\/www.youtube.com\/embed\/LjqxF2U_FvE","publisher":{"@type":"Organization","@id":"https:\/\/www.youtube.com\/channel\/UCl_CSrwS5ltS8cuq5VYEvxg#Organization","url":"https:\/\/www.youtube.com\/channel\/UCl_CSrwS5ltS8cuq5VYEvxg","name":"Truth Group Pty Ltd","description":"Truth Group is a Sydney Buyers Agent and Mortgage Broker helping home buyers, first home buyers and property investors make smarter property decisions.\n\nI\u2019m Niko, a licensed Buyers Agent based in Sydney, helping clients find the right property, negotiate confidently and structure their finance correctly.\n\nOn this channel you\u2019ll discover:\n\n\ud83c\udfe1 Sydney Buyers Agent advice\n\u2022 What properties are really worth\n\u2022 Sydney suburb comparisons\n\u2022 Auction and negotiation strategies\n\u2022 First home buyer tips\n\u2022 Property buying mistakes to avoid\n\n\ud83d\udcb0 Mortgage & Finance Guidance\n\u2022 Home loans and refinancing\n\u2022 Borrowing power strategies\n\u2022 Preparing to buy property\n\u2022 Understanding lender requirements\n\nWe help clients with:\n\u2705 Established homes\n\u2705 House & land packages\n\u2705 Investment properties\n\u2705 Residential & commercial property\n\u2705 Home loan solutions\n\nServing Sydney and Australia-wide.\n\n\ud83d\udccd Hoxton Park, Sydney\n\ud83c\udf10 truthgroup.com.au\n\nSubscribe for weekly Sydney property insights, buyer strategies and finance tips.\n","logo":{"url":"https:\/\/yt3.ggpht.com\/6cfbKmHc32AQQ7Jvy8Uk8-gTgkKgXKQ-ntmPlJQwqFyRcDmR-1UVKvPvSqhmucy6vnM6a5UNSz4=s800-c-k-c0x00ffffff-no-rj","width":800,"height":800,"@type":"ImageObject","@id":"https:\/\/www.youtube.com\/watch?v=LjqxF2U_FvE#VideoObject_publisher_logo_ImageObject"}},"potentialAction":{"@type":"SeekToAction","@id":"https:\/\/www.youtube.com\/watch?v=LjqxF2U_FvE#VideoObject_potentialAction","target":"https:\/\/www.youtube.com\/watch?v=LjqxF2U_FvE&t={seek_to_second_number}","startOffset-input":"required name=seek_to_second_number"}},"about":["Latest Post"],"wordCount":536,"articleBody":"Thinking about refinancing your home loan in 2026? Watch this video on YouTube..wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_5, .wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_5[data-kb-block=\"kb-adv-heading42873_1e3347-71_5\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_5 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_5[data-kb-block=\"kb-adv-heading42873_1e3347-71_5\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_5 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_5[data-kb-block=\"kb-adv-heading42873_1e3347-71_5\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Refinancing in 2026 isn\u2019t just about securing a lower interest rate \u2014 it\u2019s about making sure your home loan structure still suits your financial situation, goals, and future plans..wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_6, .wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_6[data-kb-block=\"kb-adv-heading42873_1e3347-71_6\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_6 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_6[data-kb-block=\"kb-adv-heading42873_1e3347-71_6\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_6 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_6[data-kb-block=\"kb-adv-heading42873_1e3347-71_6\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Many borrowers refinance without comparing all available options, which can lead to missed opportunities or unsuitable loan structures..wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_7, .wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_7[data-kb-block=\"kb-adv-heading42873_1e3347-71_7\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_7 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_7[data-kb-block=\"kb-adv-heading42873_1e3347-71_7\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_7 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_7[data-kb-block=\"kb-adv-heading42873_1e3347-71_7\"] img.kb-inline-image{width:150px;vertical-align:baseline;}In this guide, we\u2019ll break down:When refinancing may make senseThe outlook for interest rates in 2026Fixed vs variable vs split loan optionsHow to choose the right structure for your needs.wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_8, .wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_8[data-kb-block=\"kb-adv-heading42873_1e3347-71_8\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_8 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_8[data-kb-block=\"kb-adv-heading42873_1e3347-71_8\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_8 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_8[data-kb-block=\"kb-adv-heading42873_1e3347-71_8\"] img.kb-inline-image{width:150px;vertical-align:baseline;}When Should You Consider Refinancing?.wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_9, .wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_9[data-kb-block=\"kb-adv-heading42873_1e3347-71_9\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_9 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_9[data-kb-block=\"kb-adv-heading42873_1e3347-71_9\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_9 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_9[data-kb-block=\"kb-adv-heading42873_1e3347-71_9\"] img.kb-inline-image{width:150px;vertical-align:baseline;}You may want to review your loan if:Your current interest rate is no longer competitiveYour financial situation has changedYou want to access equityYou\u2019re planning to invest in propertyYou want better features like offset or redrawYour fixed term is ending.wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_10, .wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_10[data-kb-block=\"kb-adv-heading42873_1e3347-71_10\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_10 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_10[data-kb-block=\"kb-adv-heading42873_1e3347-71_10\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_10 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_10[data-kb-block=\"kb-adv-heading42873_1e3347-71_10\"] img.kb-inline-image{width:150px;vertical-align:baseline;}.wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_11, .wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_11[data-kb-block=\"kb-adv-heading42873_1e3347-71_11\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_11 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_11[data-kb-block=\"kb-adv-heading42873_1e3347-71_11\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_11 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_11[data-kb-block=\"kb-adv-heading42873_1e3347-71_11\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Refinancing should always align with your broader financial strategy \u2014 not just short-term savings..wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_12, .wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_12[data-kb-block=\"kb-adv-heading42873_1e3347-71_12\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_12 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_12[data-kb-block=\"kb-adv-heading42873_1e3347-71_12\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_12 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_12[data-kb-block=\"kb-adv-heading42873_1e3347-71_12\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Interest Rate Outlook in 2026.wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_13, .wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_13[data-kb-block=\"kb-adv-heading42873_1e3347-71_13\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_13 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_13[data-kb-block=\"kb-adv-heading42873_1e3347-71_13\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_13 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_13[data-kb-block=\"kb-adv-heading42873_1e3347-71_13\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Interest rates in Australia continue to be influenced by inflation, economic growth, and Reserve Bank decisions..wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_14, .wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_14[data-kb-block=\"kb-adv-heading42873_1e3347-71_14\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_14 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_14[data-kb-block=\"kb-adv-heading42873_1e3347-71_14\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_14 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_14[data-kb-block=\"kb-adv-heading42873_1e3347-71_14\"] img.kb-inline-image{width:150px;vertical-align:baseline;}While forecasts vary:Rates may remain relatively stable in the short termThere is still uncertainty around potential increases or decreasesMarket timing is difficult to predict.wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_15, .wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_15[data-kb-block=\"kb-adv-heading42873_1e3347-71_15\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_15 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_15[data-kb-block=\"kb-adv-heading42873_1e3347-71_15\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_15 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_15[data-kb-block=\"kb-adv-heading42873_1e3347-71_15\"] img.kb-inline-image{width:150px;vertical-align:baseline;}.wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_16, .wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_16[data-kb-block=\"kb-adv-heading42873_1e3347-71_16\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_16 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_16[data-kb-block=\"kb-adv-heading42873_1e3347-71_16\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_16 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_16[data-kb-block=\"kb-adv-heading42873_1e3347-71_16\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Because of this, structuring your loan correctly is often more important than trying to time the market..wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_17, .wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_17[data-kb-block=\"kb-adv-heading42873_1e3347-71_17\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_17 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_17[data-kb-block=\"kb-adv-heading42873_1e3347-71_17\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_17 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_17[data-kb-block=\"kb-adv-heading42873_1e3347-71_17\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Refinancing Options ExplainedFixed Rate Loans.wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_18, .wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_18[data-kb-block=\"kb-adv-heading42873_1e3347-71_18\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_18 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_18[data-kb-block=\"kb-adv-heading42873_1e3347-71_18\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_18 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_18[data-kb-block=\"kb-adv-heading42873_1e3347-71_18\"] img.kb-inline-image{width:150px;vertical-align:baseline;}A fixed loan locks in your interest rate for a set period..wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_19, .wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_19[data-kb-block=\"kb-adv-heading42873_1e3347-71_19\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_19 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_19[data-kb-block=\"kb-adv-heading42873_1e3347-71_19\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_19 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_19[data-kb-block=\"kb-adv-heading42873_1e3347-71_19\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Pros:Repayment certaintyProtection from rate increases.wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_20, .wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_20[data-kb-block=\"kb-adv-heading42873_1e3347-71_20\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_20 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_20[data-kb-block=\"kb-adv-heading42873_1e3347-71_20\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_20 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_20[data-kb-block=\"kb-adv-heading42873_1e3347-71_20\"] img.kb-inline-image{width:150px;vertical-align:baseline;}.wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_21, .wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_21[data-kb-block=\"kb-adv-heading42873_1e3347-71_21\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_21 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_21[data-kb-block=\"kb-adv-heading42873_1e3347-71_21\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_21 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_21[data-kb-block=\"kb-adv-heading42873_1e3347-71_21\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Cons:Less flexibilityLimited offset\/redraw options (varies by lender)Break costs may apply if exiting earlyVariable Rate Loans.wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_22, .wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_22[data-kb-block=\"kb-adv-heading42873_1e3347-71_22\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_22 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_22[data-kb-block=\"kb-adv-heading42873_1e3347-71_22\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_22 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_22[data-kb-block=\"kb-adv-heading42873_1e3347-71_22\"] img.kb-inline-image{width:150px;vertical-align:baseline;}.wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_23, .wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_23[data-kb-block=\"kb-adv-heading42873_1e3347-71_23\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_23 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_23[data-kb-block=\"kb-adv-heading42873_1e3347-71_23\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_23 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_23[data-kb-block=\"kb-adv-heading42873_1e3347-71_23\"] img.kb-inline-image{width:150px;vertical-align:baseline;}A variable loan moves with market interest rates..wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_24, .wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_24[data-kb-block=\"kb-adv-heading42873_1e3347-71_24\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_24 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_24[data-kb-block=\"kb-adv-heading42873_1e3347-71_24\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_24 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_24[data-kb-block=\"kb-adv-heading42873_1e3347-71_24\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Pros:Flexibility to make extra repaymentsAccess to offset accountsNo break costs.wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_25, .wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_25[data-kb-block=\"kb-adv-heading42873_1e3347-71_25\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_25 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_25[data-kb-block=\"kb-adv-heading42873_1e3347-71_25\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_25 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_25[data-kb-block=\"kb-adv-heading42873_1e3347-71_25\"] img.kb-inline-image{width:150px;vertical-align:baseline;}.wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_26, .wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_26[data-kb-block=\"kb-adv-heading42873_1e3347-71_26\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_26 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_26[data-kb-block=\"kb-adv-heading42873_1e3347-71_26\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_26 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_26[data-kb-block=\"kb-adv-heading42873_1e3347-71_26\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Cons:Repayments may increase if rates riseSplit Loans (Combination of Fixed + Variable).wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_27, .wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_27[data-kb-block=\"kb-adv-heading42873_1e3347-71_27\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_27 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_27[data-kb-block=\"kb-adv-heading42873_1e3347-71_27\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_27 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_27[data-kb-block=\"kb-adv-heading42873_1e3347-71_27\"] img.kb-inline-image{width:150px;vertical-align:baseline;}.wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_28, .wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_28[data-kb-block=\"kb-adv-heading42873_1e3347-71_28\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_28 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_28[data-kb-block=\"kb-adv-heading42873_1e3347-71_28\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_28 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_28[data-kb-block=\"kb-adv-heading42873_1e3347-71_28\"] img.kb-inline-image{width:150px;vertical-align:baseline;}A split loan divides your mortgage into both fixed and variable portions..wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_29, .wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_29[data-kb-block=\"kb-adv-heading42873_1e3347-71_29\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_29 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_29[data-kb-block=\"kb-adv-heading42873_1e3347-71_29\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_29 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_29[data-kb-block=\"kb-adv-heading42873_1e3347-71_29\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Pros:Balance of certainty and flexibilityto manage riskAccess to offset on variable portion.wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_30, .wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_30[data-kb-block=\"kb-adv-heading42873_1e3347-71_30\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_30 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_30[data-kb-block=\"kb-adv-heading42873_1e3347-71_30\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_30 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_30[data-kb-block=\"kb-adv-heading42873_1e3347-71_30\"] img.kb-inline-image{width:150px;vertical-align:baseline;}.wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_31, .wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_31[data-kb-block=\"kb-adv-heading42873_1e3347-71_31\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_31 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_31[data-kb-block=\"kb-adv-heading42873_1e3347-71_31\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_31 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_31[data-kb-block=\"kb-adv-heading42873_1e3347-71_31\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Cons:.wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_32, .wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_32[data-kb-block=\"kb-adv-heading42873_1e3347-71_32\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_32 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_32[data-kb-block=\"kb-adv-heading42873_1e3347-71_32\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_32 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_32[data-kb-block=\"kb-adv-heading42873_1e3347-71_32\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Requires more planning to structure correctly.wp-block-kadence-advancedheading.kt-adv-heading42873_b745cd-80, .wp-block-kadence-advancedheading.kt-adv-heading42873_b745cd-80[data-kb-block=\"kb-adv-heading42873_b745cd-80\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42873_b745cd-80 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42873_b745cd-80[data-kb-block=\"kb-adv-heading42873_b745cd-80\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42873_b745cd-80 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42873_b745cd-80[data-kb-block=\"kb-adv-heading42873_b745cd-80\"] img.kb-inline-image{width:150px;vertical-align:baseline;}How to Choose the Right Option.wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_33, .wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_33[data-kb-block=\"kb-adv-heading42873_1e3347-71_33\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_33 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_33[data-kb-block=\"kb-adv-heading42873_1e3347-71_33\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_33 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_33[data-kb-block=\"kb-adv-heading42873_1e3347-71_33\"] img.kb-inline-image{width:150px;vertical-align:baseline;}The right refinance structure depends on:Your income stabilityRisk toleranceCash flow needsInvestment plansDesire for flexibility vs certainty.wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_34, .wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_34[data-kb-block=\"kb-adv-heading42873_1e3347-71_34\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_34 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_34[data-kb-block=\"kb-adv-heading42873_1e3347-71_34\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_34 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_34[data-kb-block=\"kb-adv-heading42873_1e3347-71_34\"] img.kb-inline-image{width:150px;vertical-align:baseline;}.wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_35, .wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_35[data-kb-block=\"kb-adv-heading42873_1e3347-71_35\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_35 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_35[data-kb-block=\"kb-adv-heading42873_1e3347-71_35\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_35 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_35[data-kb-block=\"kb-adv-heading42873_1e3347-71_35\"] img.kb-inline-image{width:150px;vertical-align:baseline;}For example:If you prefer predictable repayments \u2192 fixed may suitIf you want flexibility \u2192 variable may suitIf you want a balance \u2192 split may suit.wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_36, .wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_36[data-kb-block=\"kb-adv-heading42873_1e3347-71_36\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_36 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_36[data-kb-block=\"kb-adv-heading42873_1e3347-71_36\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_36 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_36[data-kb-block=\"kb-adv-heading42873_1e3347-71_36\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Why Strategy Matters More Than Just Rate.wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_37, .wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_37[data-kb-block=\"kb-adv-heading42873_1e3347-71_37\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_37 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_37[data-kb-block=\"kb-adv-heading42873_1e3347-71_37\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_37 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_37[data-kb-block=\"kb-adv-heading42873_1e3347-71_37\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Refinancing decisions shouldn\u2019t be based solely on the lowest advertised rate..wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_38, .wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_38[data-kb-block=\"kb-adv-heading42873_1e3347-71_38\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_38 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_38[data-kb-block=\"kb-adv-heading42873_1e3347-71_38\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_38 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_38[data-kb-block=\"kb-adv-heading42873_1e3347-71_38\"] img.kb-inline-image{width:150px;vertical-align:baseline;}A well-structured loan can:Improve cash flowProvide flexibility for future investmentsReduce financial stressAlign with long-term property goals.wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_39, .wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_39[data-kb-block=\"kb-adv-heading42873_1e3347-71_39\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_39 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_39[data-kb-block=\"kb-adv-heading42873_1e3347-71_39\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_39 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_39[data-kb-block=\"kb-adv-heading42873_1e3347-71_39\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Final Thoughts.wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_40, .wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_40[data-kb-block=\"kb-adv-heading42873_1e3347-71_40\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_40 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_40[data-kb-block=\"kb-adv-heading42873_1e3347-71_40\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_40 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_40[data-kb-block=\"kb-adv-heading42873_1e3347-71_40\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Refinancing in 2026 is less about predicting the market and more about positioning yourself correctly regardless of what happens next..wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_41, .wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_41[data-kb-block=\"kb-adv-heading42873_1e3347-71_41\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_41 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_41[data-kb-block=\"kb-adv-heading42873_1e3347-71_41\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_41 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_41[data-kb-block=\"kb-adv-heading42873_1e3347-71_41\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Whether you choose fixed, variable, or a split structure, the key is ensuring your loan supports your current situation and future plans..wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_42, .wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_42[data-kb-block=\"kb-adv-heading42873_1e3347-71_42\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_42 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_42[data-kb-block=\"kb-adv-heading42873_1e3347-71_42\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_42 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_42[data-kb-block=\"kb-adv-heading42873_1e3347-71_42\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Ready to Review Your Refinance Options? .wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_43, .wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_43[data-kb-block=\"kb-adv-heading42873_1e3347-71_43\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_43 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_43[data-kb-block=\"kb-adv-heading42873_1e3347-71_43\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_43 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_43[data-kb-block=\"kb-adv-heading42873_1e3347-71_43\"] img.kb-inline-image{width:150px;vertical-align:baseline;}If you\u2019re considering refinancing, the next step is to review your current loan and compare it against available options..wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_44, .wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_44[data-kb-block=\"kb-adv-heading42873_1e3347-71_44\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_44 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_44[data-kb-block=\"kb-adv-heading42873_1e3347-71_44\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_44 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_44[data-kb-block=\"kb-adv-heading42873_1e3347-71_44\"] img.kb-inline-image{width:150px;vertical-align:baseline;}A tailored assessment can help determine:Whether refinancing will benefit youWhich loan structure may suit your goalsHow to optimise your mortgage strategy.wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_45, .wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_45[data-kb-block=\"kb-adv-heading42873_1e3347-71_45\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_45 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_45[data-kb-block=\"kb-adv-heading42873_1e3347-71_45\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_45 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_45[data-kb-block=\"kb-adv-heading42873_1e3347-71_45\"] img.kb-inline-image{width:150px;vertical-align:baseline;}.wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_46, .wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_46[data-kb-block=\"kb-adv-heading42873_1e3347-71_46\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_46 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_46[data-kb-block=\"kb-adv-heading42873_1e3347-71_46\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_46 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42873_1e3347-71_46[data-kb-block=\"kb-adv-heading42873_1e3347-71_46\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Book a consultation to review your refinance options and find a structure that works for your situation..wp-block-kadence-advancedbtn.kb-btns42873_01a0dd-78{gap:var(--global-kb-gap-xs, 0.5rem );justify-content:center;align-items:center;}.kt-btns42873_01a0dd-78 .kt-button{font-weight:normal;font-style:normal;}.kt-btns42873_01a0dd-78 .kt-btn-wrap-0{margin-right:5px;}.wp-block-kadence-advancedbtn.kt-btns42873_01a0dd-78 .kt-btn-wrap-0 .kt-button{color:#555555;border-color:#555555;}.wp-block-kadence-advancedbtn.kt-btns42873_01a0dd-78 .kt-btn-wrap-0 .kt-button:hover, .wp-block-kadence-advancedbtn.kt-btns42873_01a0dd-78 .kt-btn-wrap-0 .kt-button:focus{color:#ffffff;border-color:#444444;}.wp-block-kadence-advancedbtn.kt-btns42873_01a0dd-78 .kt-btn-wrap-0 .kt-button::before{display:none;}.wp-block-kadence-advancedbtn.kt-btns42873_01a0dd-78 .kt-btn-wrap-0 .kt-button:hover, .wp-block-kadence-advancedbtn.kt-btns42873_01a0dd-78 .kt-btn-wrap-0 .kt-button:focus{background:#444444;}ul.menu .wp-block-kadence-advancedbtn .kb-btn42873_ea41aa-48.kb-button{width:initial;}.wp-block-kadence-advancedbtn .kb-btn42873_ea41aa-48.kb-button{color:#042335;background:#f4c949;border-top-color:#ffffff;border-right-color:#ffffff;border-bottom-color:#ffffff;border-left-color:#ffffff;}@media all and (max-width: 1024px){.wp-block-kadence-advancedbtn .kb-btn42873_ea41aa-48.kb-button{border-top-color:#ffffff;border-right-color:#ffffff;border-bottom-color:#ffffff;border-left-color:#ffffff;}}@media all and (max-width: 767px){.wp-block-kadence-advancedbtn .kb-btn42873_ea41aa-48.kb-button{border-top-color:#ffffff;border-right-color:#ffffff;border-bottom-color:#ffffff;border-left-color:#ffffff;}}Fee Consultation"},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"2026","item":"https:\/\/truthgroup.com.au\/2026\/#breadcrumbitem"},{"@type":"ListItem","position":2,"name":"04","item":"https:\/\/truthgroup.com.au\/2026\/\/04\/#breadcrumbitem"},{"@type":"ListItem","position":3,"name":"09","item":"https:\/\/truthgroup.com.au\/2026\/\/04\/\/09\/#breadcrumbitem"},{"@type":"ListItem","position":4,"name":"Refinancing in 2026 Australia: Should You Refinance, Fix, or Stay Variable?","item":"https:\/\/truthgroup.com.au\/2026\/04\/09\/refinancing-in-2026-australia-should-you-refinance-fix-or-stay-variable\/#breadcrumbitem"}]}]