Comprehensive guide to refinancing your NSW home loan in 2026. Compare rates, understand costs, and calculate potential savings.
With interest rates expected to decrease in 2026 and lenders competing aggressively for market share, NSW homeowners have a golden opportunity to refinance and save thousands annually. Many homeowners are paying 1-2% above current market rates without realizing it.
This guide explains when to refinance, how to compare offers, and strategies to maximize your savings.
Refinance if: Your rate is 0.5%+ above market, your fixed term is ending, you want better features, you're consolidating debt, or you're accessing equity.
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What you can ask:
| Current Rate (6.5%) | $4,750/month |
| New Rate (5.5%) | $4,257/month |
| Monthly Savings | $493 |
| Annual Savings | $5,916 |
Plus $3,000 cashback = $8,916 first-year benefit
Refinancing your NSW home loan in 2026 can save you thousands of dollars annually while improving loan features and flexibility. With rates decreasing and cashback offers available, now is an ideal time to refinance.
Ready to save money on your home loan? Book a free refinancing review to compare your options and calculate exact savings.
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