Life moves fast - and so do interest rates, property values and your own financial goals.
A loan structure that was perfect two years ago may not be serving you today.
Here’s how to know it’s time to check in and see if a refinance or restructure could save you money or open new opportunities.
1. Your fixed rate is expiring soon
Don’t wait for the bank’s reminder email. Start reviewing 60–90 days before a fixed term ends so you have time to compare rates and negotiate.
Often, lenders will provide an offering to stick with them, but it pays to get a some other options on the table that can be more favourable.
We work with clients a lot to canvass the market based on their goals and weigh up any potential break costs or cashback repayments against potential savings.
2. Interest rates have shifted
If you locked in during a higher-rate period and the market has moved down, crunch the numbers.
Sometimes paying a small break fee now leads to big savings over the next few years.
We can model scenarios so you’re clear on the real benefit.
3. Your goals have changed
Maybe you’re planning a renovation, buying an investment property, or starting a business.
Restructuring to free up equity or create more flexible repayments can make those plans easier - and keep your cash flow more consistent, allow for additional savings or redirection of funds.
4. Your income or expenses look different
Changes like a pay rise, going self-employed, or new family expenses can all impact the best loan structure for you.
Adjusting repayment or loan terms or splitting across different fixed periods can give you more control.
5. You want to simplify or tidy up
This is a big one - think of it like cleaning your desk at work after a few busy months.
Multiple loans, top-ups or a mix of bank and non-bank lending can get messy.
Restructuring into a cleaner, simpler setup can reduce admin, align terms and often have you paying lower total interest.
Keep an eye on your loan terms so you're not paying less today but more tomorrow.
How we can help
Our job is to check the fine print and crunch the numbers so you know exactly what a restructure means for you.
We’ll look across lenders, compare options and show you how changes impact your long-term goals.
If you’re wondering whether now’s the right time to review, jump across to the right of the page and book a call.
We’ll talk through your situation and map out the smartest path forward.
