#Refinance

From 1 July 2027, negative gearing quarantining and the CGT discount replacement begin. Rental losses on established property acquired after 7:30 PM 12 May 2026 can only offset rental income or property CGT. The 50% CGT discount is replaced by cost base indexation with a 30% minimum tax floor.

When the RBA eventually cuts the cash rate from 4.35%, refinancing could save serious money. Here's the playbook: when to switch, how to beat the serviceability buffer with APRA's 3% assessment, and what to line up now so you're ready.

The RBA has held the cash rate at 4.35% after three 25bp hikes in 2026 (February, March, May). Here's exactly how this rate environment impacts your borrowing capacity, what APRA's 3% serviceability buffer means, and when the major banks expect cuts.

A data-driven framework for whether refinancing your 2026 Australian variable or fixed mortgage makes sense: cashback math, break cost on fixed loans, rate differential thresholds, and the 24-month payback window.

A 2026 refinance guide for Australian home loan borrowers: lender cashback offers, switching costs, equity release options, the LVR / LMI math, and timing considerations after RBA's April rate hold.

A data-driven map of second-tier home loan rates from ING, Bankwest, BOQ and Suncorp in May 2026. Compare variable, fixed, and offset offerings against the major banks.

When and how to switch to a new lender for a better rate or terms.

A guide to refinancing your mortgage to save money or access equity.