Why NOW Is the Best Time to Refinance in Years

Send us Fan Mail👉 Want to buy BEFORE the data shifts, not after? Book a FREE strategy call with Curtis here: https://rebrand.ly/chatwithflintinvestThe lending market has shattered in the last 90 days. Purchases have gone quiet post-budget, so every bank in the country is now hunting for your business - and that has opened a refinance window we have not seen in years.Here is the hot tip up front: if you have not reviewed your mortgage in a while, right now is when a proper look actually pays off. Rates are sharp, valuations are strong, and the banks are fighting over each other to win refinances.In this episode I sit down with Curtis, who runs a $1 billion+ lending pipeline across every major bank, to unpack exactly what is happening, why it is happening, and the borrowers winning the most right now.What you'll learn:📍 Why the lending market flipped in 90 days, with NAB lending down around 20% and banks pivoting hard to refinances📍 Why a slower-growth market means the biggest lever you have is your interest cost, not your next purchase📍 The real rates now - owner occupier refinances into the 5.95% range, roughly 20 basis points off what most people are sitting on📍 Why borrowers under 70-80% LVR with a decent loan size are getting the sharpest deals📍 The 1% refinance buffer that can move you off a 7%+ non-bank rate, even without a full servicing assessment📍 Why your borrowing power is about 20% higher on a refinance than on a purchase📍 How desktop valuations across multiple banks can demonstrate a lower LVR and unlock a better rateSubscribe for weekly, data-driven breakdowns of the Australian property market.#AustralianProperty #Refinance #MortgageRates #PropertyInvesting #HomeLoansChapters00:00 The lending market just shattered01:34 Why banks are hunting refinances now02:36 Slower growth means optimise what you own04:08 What is really driving the mortgage war06:27 The rates you can actually get today10:04 The refinance window - and why it won't last14:14 Who benefits, and who this doesn't apply to14:50 Stuck with a non-bank at 7%? The 1% buffer17:44 Why borrowing power is higher on a refinance20:07 How desktop valuations work in your favour21:12 Now is the time to review your rateThis video is provided by Confidence Finance Pty Ltd (ACL 488313) & Flint Trademark Pty Ltd. This is general information only and not personal advice. Please seek credit advice from us directly and independent tax, legal or financial advice where appropriate.Reach out to us at www.australianpropertytalk.com.au