Why Now Might Be the Smartest Time to Review Your Home Loan, Even If You’re on a Low Rate

With interest rates seemingly settling and fixed-rate cliffs approaching, many homeowners are asking

“Should I refinance now or sit tight?”

And while it might be tempting to stay put, especially if you’re still on a historically low rate, there are several reasons a loan review in 2025 might be one of the smartest financial moves you make this year

1.Your Fixed Rate Could Be About to Expire

Over 800000 Aussie households are due to roll off their ultra-low fixed rates this year. If you’re one of them, your new variable rate could increase repayments by hundreds per month

A proactive review before the rollover date gives you time to prepare and options to negotiate or refinance

2.The Loyalty Tax Is Real

Banks don’t reward loyalty; they profit from it. Existing customers are often charged higher rates than new ones, and many clients we see are paying 0.50 per cent to 0.90 per cent more than they should be

A quick review could reveal whether your lender is quietly charging you a loyalty tax

3.Your Needs Might Have Changed

Your life isn’t static, and neither should your loan be

Have you changed jobs?

Built equity?

Started a family?

Need an offset account redraw or access to extra funds for renovations?

Your loan should evolve with you. We can tailor your setup to reflect where you are now and where you want to be

4.There Are New Lenders and Products in the Market

Lenders are competing harder than ever in 2025 especially for refinances. New cashback offers have made a return non bank lenders are offering features traditionally only the big four did and more ethical green or specialised options are available than ever before

You might be paying more simply because you haven’t looked

5.Refinancing Isn’t the Only Option

Sometimes the best move isn’t to refinance, it’s to negotiate a better deal with your current lender

At Lendolog,y we don’t just chase a refinance for the sake of it. We’ll weigh up your costs, goals and product benefits, then help you decide if staying put is actually the better move

How We Help at Lendology

We’re not just brokers. We’re advisers who care about your financial well-being. Our seven-part ethos guides everything we do, and we’ll only recommend a change if it’s genuinely in your best interest

We’ll do all the analysis paperwork and lender follow-ups so you can focus on living well, not stressing about your mortgage

Want to know if your home loan is still right for you?

Book a free 15 minute clarity call to get started

We’ll review your loan, explain your options clearly and support you whether you stay, switch or restructure

Because true well-being begins at home