01
Look beyond the headline rate
A lower rate can matter, but refinancing may also involve break costs, legal or valuation costs, cashback conditions, and changes to repayment structure.
The right comparison should consider the total effect over time, not one number in isolation.
02
Review your loan structure
Your current structure may no longer match your life. Income changes, family plans, renovations, business income, or investment goals can all change what a suitable structure looks like.
Splits, fixed-rate timing, offset features, and repayment flexibility should be reviewed with care.
03
Check serviceability again
Even if you already have a home loan, a new application or refinance still needs assessment. Lenders may review income, expenses, liabilities, credit commitments, and property details.
An early Sparx snapshot can help you understand whether the refinance path is worth exploring before deeper review.
04
Know when to speak with an adviser
If you are close to a fixed-rate expiry, considering debt consolidation, changing income type, or using equity for another purpose, adviser review is especially important.
General information only.
This guide is educational content. It is not financial advice, a loan approval, or an offer of finance.
所有方案须经持牌金融顾问人工终审.