Updated August 2026
The RBA held the cash rate at 4.35% on 11 August 2026, the second hold in a row, so the rate you are paying is not going to fix itself. The average variable rate is sitting near 6.92% while the sharpest refinance rates start around 5.69%. That gap is your money.
RyRo Loan Centre is a refinance broker based in Norwest. We compare 50+ lenders, run the break-even maths before you commit, and manage the switch from application through to discharge of your old mortgage. You pay us nothing.
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Tell us your current rate and remaining balance and we'll identify how much you could save, and whether refinancing makes sense for your situation.
“Just tell us what you're buying, we'll match you to the right lender. No pressure, no obligation.”
Sumit · Director & Senior Loan Specialist
By submitting, you agree to our privacy policy and terms of service.
We review, compare and refinance home loans across 50+ lenders, negotiating on your behalf so you can access a sharper rate, better features or more flexible loan structure.
Sumit
Director & Senior Loan Specialist
Rohan
Asset Finance Specialist
Kathryn
Settlement & Client Liaison
Why work with us
Understanding the current rate environment is the starting point for every refinancing decision. We compare 50+ lenders and manage the entire process on your behalf.
Refinancing means replacing your current home loan with a new one, with your existing lender (internal) or a different lender (external). You get a new rate, structure and features. Around 34,800 Australians switch lenders every month.
The average variable rate is often 0.5% to 1.5% higher than the best available rate for refinancers. On a $650,000 balance, a 1% rate cut can save over $4,600 per year. We find out where you stand; free, no obligation.
From rate review to settlement, we prepare your application, coordinate valuation, track approval and manage discharge with your existing lender. You deal with us, not two lenders.
Use our Loan Repayment Calculator to model repayments, or speak with us for a full cost-benefit and break-even analysis, obligation-free.
Start Here
Tell us your current rate and remaining balance. We'll identify how much you could save and whether refinancing makes sense.
“Just tell us what you're buying, we'll match you to the right lender. No pressure, no obligation.”
Sumit · Director & Senior Loan Specialist
By submitting, you agree to our privacy policy and terms of service.
A refinance broker compares your current home loan against the whole lender market, works out whether switching actually leaves you in front after costs, then handles the application, valuation, approval and settlement so you never have to negotiate with two banks at once.
That is the short version. In practice, five things happen when you hand your loan to us:
We take your current lender, rate, balance, remaining term and loan features, then compare that against live pricing from 50+ lenders. Your own bank will only ever show you their shelf. We show you everyone.
Discharge fee, application fee, valuation, government registration fees, break costs if you are fixed, and a fresh LMI premium if your LVR is still above 80%. Total those, divide by the monthly saving, and you have the month the switch starts paying you. If that number does not work, we say so.
The cheapest advertised rate is useless if the lender will not accept your income type, values your property conservatively, or takes nine weeks to assess. We match you to a lender whose credit policy and valuation approach suit your file.
Payslips, statements, rates notice, identification, other debts. We check the file before it goes in, because the number one cause of a refinance dragging past eight weeks is a missing document.
Your outgoing lender has no incentive to make leaving easy. We chase the discharge authority, coordinate both sides and confirm the old mortgage is released from your title.
What it costs you: nothing. The lender pays our commission when the loan settles. It is not added to your rate and it is not added to your balance. We also work under the best interests duty in the National Consumer Credit Protection Act, which means the recommendation has to be the right one for you. Book a free strategy call or send us your current rate and we will tell you where you stand.
On a $750,000 loan over 30 years, dropping from a 6.92% variable rate to 5.69% cuts the repayment from $4,950 to $4,348. That is $601 a month and $36,077 over five years.
$750,000 is a realistic balance for a Castle Hill, Kellyville or Baulkham Hills owner who bought in the last five to eight years. Here is the same loan side by side, principal and interest, 30 year term.
| $750,000 loan, 30 years, P&I | Your current loan | After refinancing | Difference |
|---|---|---|---|
| Variable rate (p.a.) | 6.92% | 5.69% | 1.23% lower |
| Monthly repayment | $4,950 | $4,348 | $601 less every month |
| Repayments over 5 years | $296,972 | $260,895 | $36,077 less |
| Balance still owing after 5 years | $705,380 | $695,180 | $10,200 less owing |
Illustrative rates, current as at August 2026.The 6.92% figure is the average variable home loan rate across comparison-site lender databases in August 2026. The 5.69% figure is around the sharpest advertised variable refinance rate available to owner-occupiers with an LVR of 80% or below in the same month. These are market reference points, not a quote, and not any particular lender's rate. Rates change constantly and the rate you are offered depends on your LVR, income type, credit file and the lender. Figures are rounded to the nearest dollar, so a column difference can vary by a dollar. This example excludes refinancing costs.
Most people do not move the full 1.23%. Take a more modest improvement of half a percentage point, from 6.92% to 6.42% on the same $750,000 loan. The repayment falls from $4,950 to $4,701. That is still $248 a month and $14,905 over five years, for a switch that typically costs $500 to $2,000. Even at the top of that cost range you break even in about eight months, and every month after that is yours.
Put your balance and a lower rate into our home loan repayment calculator to see the monthly difference on your own loan. If you keep a cash balance in your everyday account, also try the home loan offset calculator, because moving to a loan with a proper offset account can be worth more than a small rate cut. Then bring the numbers to us and we will check them against what you can actually be approved for.
If you have not reviewed your loan since 2024, almost certainly yes. Rates are high and flat, which is exactly the environment where the gap between an unreviewed loan and a competitive one gets widest.
At its meeting on 11 August 2026 the RBA left the cash rate target unchanged at 4.35%, the second consecutive hold. Governor Michele Bullock said inflation remains too high and that the Board wants further progress before it can be confident inflation returns to target. Roughly 44% of the economists surveyed by Finder still expect another increase before the end of the year. The practical read for a borrower: do not sit on a bad rate waiting for cuts that may not arrive.
The average variable home loan rate in August 2026 is around 6.92%. Meanwhile roughly a dozen lenders are advertising variable rates under 6%, with the sharpest refinance pricing for owner-occupiers starting near 5.69% p.a. That is a spread of more than a full percentage point between the average and the sharp end, and lenders are not going to close it for you. Loyalty discounts are not a thing. New customers get the pricing.
With property turnover subdued, refinancing is where lenders grow their book. A borrower with 20% or more equity and a clean repayment history is exactly the file they want, so that borrower has real negotiating power. The catch is that the sharpest pricing is often not advertised, and some of it sits with second-tier and non-bank lenders most people have never considered. That is the part a broker unlocks.
Loans fixed during the low-rate window revert to the lender's standard variable rate the day the fixed term ends, and the standard variable rate is usually one of the least competitive products on their shelf. If your fixed term ends in the next six to twelve months, start now so a new loan is ready to settle the week the fixed rate expires. You should not spend a single month on a revert rate.
Refinancing means replacing your current home loan with a new one, either with your existing lender or a different one, so you can reset the rate, the structure, the features and the term.
The process involves a new loan assessment, a property valuation, new loan documents, and a settlement where the new loan pays out the old one and takes over the mortgage on your title. Refinancing is not a sign of financial trouble. It is routine maintenance on the biggest debt you will ever carry.
The usual reasons are a lower rate, access to equity you have built up, consolidating high-interest debt, getting features your current loan does not offer such as a proper offset account, or restructuring after a change in your circumstances. See our full home loan services for the other loan types we handle.
An internal refinance means renegotiating with your current lender or moving to a different product in their range. It is faster, involves less paperwork, and if they want to keep you they may sharpen the offer. The limit is obvious: you only get to choose from their products, and a lender that already has your business has less reason to fight for it.
An external refinance means moving to a new lender entirely, with a full application, valuation and settlement. It takes longer but it opens the whole market. Most refinancers end up switching lenders, because that is where the pricing is.
We do both. Our starting point is always to find the strongest option on the open market, then take that number back to your current lender and see if they will match it. Either way you win, and either way you do not have to make the phone call.
The most common reason and the easiest to quantify. If your loan settled two or more years ago and you have never asked for a review, your rate is almost certainly above the sharp end of the market. On a $650,000 balance over 30 years, a one percentage point reduction is worth roughly $426 a month. Over the remaining term that is tens of thousands of dollars. It is a 20 minute conversation to find out where you sit.
Every repayment builds equity, and Sydney price growth has built a lot more of it passively. A cash out refinance lets you take part of that equity as cash by refinancing to a larger loan. Most lenders cap total borrowing at 80% of the current property value, and the gap between that ceiling and your balance is your usable equity. Example: a home worth $1,200,000 with $500,000 owing gives you a ceiling of $960,000, so up to $460,000 is accessible. We check serviceability and the effect on your LVR before recommending it. Full detail on our home equity loans page.
Credit card rates typically sit between 15% and 22%. Personal loans commonly run 8% to 14%. Car loans 6% to 12%. Home loans are in the 5% to 7% range. Rolling those debts into the mortgage cuts the interest rate on them sharply and turns several payments into one. The trap is term: stretching a $15,000 card balance over 25 years can cost more in total interest than clearing it in three years at the higher rate. We model both the monthly relief and the lifetime cost, and where consolidation makes sense we structure the loan so the consolidated portion gets paid down fast.
The day a fixed term expires, the loan reverts to the lender's standard variable rate, which is usually well above what they offer new customers. This is the single highest-value moment in a loan's life to refinance, because break costs no longer apply and you have complete freedom to move. Come to us six to twelve months before expiry and we will have a new loan ready to settle the week the fixed term ends.
If your income has grown, your other debts are gone, or you have had a windfall, refinancing to a shorter term cuts total interest hard. Trimming a year or two off the remaining term lifts the repayment modestly but removes a large amount of interest from the back end of the loan. We model a few term options against your cash flow so you can see the trade-off in dollars rather than in theory.
Plenty of borrowers are stuck on basic products with no offset, no redraw and no ability to split between fixed and variable, usually because they chose on advertised rate alone. An offset account is one of the strongest interest-saving tools available: every dollar sitting in it reduces the balance interest is charged on. Hold a steady $30,000 against a $600,000 loan and you are only paying interest on $570,000, while the money stays available. Sometimes the right structure beats a slightly lower rate. Test it on our offset calculator.
A separation that needs the debt restructured. A move from PAYG to self-employment that needs a lender comfortable with two years of business returns. An investment strategy that needs a lender who treats rental income generously. These are all valid reasons to move, independent of rate. Our panel of 50+ lenders includes specialists in PAYG, self-employed, investment and professional-category lending, so if your current lender's policy no longer matches your life, we will find one that does.
“Tell us your current rate and remaining balance and we'll identify how much you could save, and whether refinancing makes sense for your situation. No pressure, no obligation.”
Sumit, Director & Senior Loan Specialist
Free strategy call - no obligation
Tell us your current rate and remaining balance. We'll call you to run through your options and savings potential.
By submitting, you agree to our privacy policy and terms of service.
A standard external refinance costs $500 to $2,000 all up, assuming your LVR is 80% or below, you are not breaking a fixed rate and no new LMI is payable. Break costs and LMI are the two things that can push it much higher.
Here is where that money actually goes.
Your current lender charges a discharge fee to close the loan and release the mortgage from your title. This is typically $150 to $500, with most major banks around $350. A discharge fee is not an exit fee: exit fees on variable rate contracts entered into after 1 July 2011 are banned under Australian consumer credit law. If your loan predates July 2011, check the contract. If you are inside a fixed term, breaking early triggers a break cost, calculated on the difference between your fixed rate and the current wholesale rate for the remaining term. Break costs can run into the thousands or tens of thousands, so we get a written quote from your lender before recommending anything.
Expect an application or settlement fee of $150 to $750, document processing of $100 to $600 where it applies, a valuation of $100 to $300 which is often waived as a competitive incentive, and state government mortgage registration and discharge fees. Baseline entry costs usually land between $500 and $1,500. Cashback offers for refinancers come and go, and when they are running they can cover entry costs entirely. We check what is live at the time you apply rather than quoting you a figure from last quarter. The one to watch is LMI: it is not transferable between lenders, so if your LVR is still above 80% you may pay it again, and at 1% to 5% of the loan amount it can erase the entire rate saving.
Divide the total cost of switching by the monthly saving and you get the month the refinance starts paying you. On the $750,000 example above, a $601 monthly saving against $1,500 of costs breaks even in month three. Even a modest $250 monthly saving against $1,500 of costs breaks even in month six. Most refinances break even inside six to twelve months, which makes the switch clearly worthwhile for anyone holding the loan longer than that. We run this calculation for every client before recommending anything, so you know the exact month it turns profitable.
Want the break-even on your own loan? Use the loan repayment calculator to find the monthly saving, then divide your expected costs by it. Or book a free strategy call and we will do it with you.
Four to eight weeks from application to settlement is normal for an external refinance. Low LVR applications with clean documents can settle in two to three weeks. Complex files can stretch past ten weeks.
Here is where the time actually goes, so you can see what is worth chasing and what is not.
| Stage | Typical time | What holds it up |
|---|---|---|
| Rate review and lender selection | 1 to 3 days | Waiting on your current loan statements |
| Document collection and lodgement | 3 to 7 days | Missing payslips, statements or identification |
| Lender assessment and valuation | 1 to 3 weeks | Physical valuation bookings and lender backlogs |
| Formal approval and loan documents | 3 to 7 days | Signing and returning documents late |
| Settlement and discharge of old loan | 1 to 2 weeks | Your outgoing lender processing the discharge authority |
The stage nobody warns you about is the last one. Your outgoing lender has no reason to hurry, and a discharge authority that sits in a queue can add two weeks on its own. We lodge the discharge request in parallel with the new application rather than waiting for approval, which is the single biggest thing that keeps a refinance on schedule.
The paperwork is broadly the same as a new home loan application, but with fewer unknowns. The property exists, you have a repayment history, and you have done this before. Here is what happens after you get in touch.
We take your current lender, rate, balance, term, features and goals, then compare against our panel of 50+ lenders factoring in your LVR, income type and property location. Takes about 20 minutes and costs nothing. You come out of it knowing whether you are well placed where you are, or how much you are leaving on the table.
We model the saving from the new rate, the one-off costs of switching, the break-even month, and the net benefit over how long you plan to hold the loan. If you are fixed, we get the break cost. If your equity is near 80%, we confirm the current valuation to check whether LMI applies. Then we pick the lender whose credit policy and valuation approach fit your file, which is not always the one with the lowest advertised rate.
We prepare and lodge the application. Payslips or income evidence, three to six months of bank statements, current home loan statements, rates notice, identification, and details of other debts. Self-employed files add two years of tax returns and business financials. We review everything before submission, because a clean file is the difference between six weeks and ten.
The new lender values the property, either from comparable sales data or with a physical inspection, and confirms your LVR. They then assess income, expenses and credit. This is the longest stage, usually one to three weeks. We stay on the assessor and clear any conditions the same day they are raised.
The new lender pays out the old loan, the old mortgage comes off your title, the new one goes on, and your new repayment schedule starts. We coordinate both lenders, confirm the discharge is registered, and send you a final summary of your new rate, repayment and settlement costs.
Five refinancing structures. Working with a refinance broker matters most here, because the right structure is often worth more than the last 0.1% on the rate.
The simple one. You swap your existing loan for a new one at a lower rate, a shorter term, or both, without borrowing anything extra. The balance stays the same and the goal is purely to reduce the repayment or the total interest. This is the right move when you do not need additional funds and you just want the loan priced properly.
You refinance to a larger loan and take the difference as cash. That cash is the equity you have built through repayments and through growth in the property's value. Most lenders cap total borrowing at 80% of the current value. Funds can go towards renovations, an investment property deposit, debt consolidation or another major expense, and the lender will ask which. We assess whether the purpose and the extra debt stack up before recommending it. More on the equity release options page.
You fold credit cards, personal loans and car loans into the home loan so everything is repaid at the home loan rate. Monthly cash flow improves immediately and you go from five payments to one. The thing to watch is that a short-term debt spread across 25 years can cost more in total interest even at the lower rate, so we model it properly and, where it makes sense, structure the loan so the consolidated portion is cleared quickly rather than dragged out.
Sometimes the point is not a lower rate but a different kind of loan. With the cash rate on hold at 4.35% and further increases still on the table according to some forecasters, budget certainty has value, and fixing part of the loan delivers it. Coming off a fixed rate and wanting an offset account and unlimited extra repayments pushes the other way. A split loan gives you some of each. We advise on this based on your balance, remaining term, repayment goals and how much rate movement you can absorb.
Same principles, different assessment. Investment loans price higher than owner-occupier loans, and lenders vary widely in how much rental income they will count, which changes your borrowing capacity a lot. Serviceability is measured across your total debt, not one property at a time. Investors commonly use a cash out refinance on an existing property to fund the deposit on the next one. We work with single-property investors through to multi-property portfolios and match them to lenders whose investment policy supports the plan.
We only recommend a switch when the numbers support it. These are the five situations where they often do not.
RyRo Loan Centre is based in Norwest, in Sydney's Hills District. Most of our refinancing clients are within a 20 minute drive, and we know which lenders value property in these suburbs accurately and which ones come in conservative, which matters enormously when you are trying to get under 80% LVR or release equity.
Refinancing for established Castle Hill homes and townhouses.
Mortgage broker Baulkham HillsRate reviews and equity release for long-held Baulkham Hills properties.
Mortgage broker KellyvilleFixed rate roll-offs and upgrades across Kellyville and Beaumont Hills.
Mortgage broker NorwestOur home base. Norwest, Bella Vista and Glenwood refinancing.
Mortgage broker Hills DistrictThe full Hills District, from Rouse Hill through to Cherrybrook.
Mortgage broker SydneyWe refinance loans right across greater Sydney and interstate.
Parramatta and Western Sydney: Parramatta, Westmead, Merrylands, Guildford, Auburn, Granville, Blacktown, Seven Hills, Toongabbie, Penrith.
Northwest Sydney: Schofields, Box Hill, Marsden Park, Riverstone, Gables, Tallawong, Windsor.
Inner West and beyond: Strathfield, Burwood, Concord, Homebush, Lidcombe, Rhodes, plus clients across the rest of greater Sydney and interstate.
If you are in the Hills District and have owned your home for two or more years, the gap between your rate and the sharp end of the market has almost certainly widened. Most local homeowners who come to us find a difference of 0.5% to 1.0% without changing anything about their property or their finances. It costs nothing to find out.
Run these before you call anyone, including us.
Model your repayment at a new rate and term so you can see the monthly saving on your own balance before you commit.
Home loan offset calculatorSee how much interest an offset account saves you, and whether a loan with an offset beats a slightly cheaper basic loan.
Borrowing power calculatorImportant if you are refinancing to release equity. Serviceability, not just equity, sets the ceiling on what you can access.
All RyRo calculatorsStamp duty, property selling costs, income annualisation and gross up, plus everything above, in one place.
Three reads that cover the numbers most people get wrong: what the switch actually costs, when it is worth doing, and whether a cashback offer is real money or a trap.
Refinancing · 11 min read
Refinancing in Australia usually costs $500 to $2,000 in switching fees, and most of that is government charges plus a discharge fee. Here is every line item for 2026, with the break-even maths worked through on a $750,000 Sydney loan.
Read the guide
Refinancing · 10 min read
Refinancing is not a calendar event, it is a trigger event. Here are the seven signals that say now is the moment to move your home loan in 2026, and the ones that say wait.
Read the guide
Refinancing · 10 min read
Refinance cashback offers in Australia currently run from $2,000 to $4,000, and none of them come from a big four bank. Here is who is paying in August 2026, the conditions attached, and the maths on cashback versus a lower rate.
Read the guideFive reasons our refinancing clients pick us.
Your current lender has exactly one interest in your refinance: keeping you. We have access to 50+ lenders including the majors, second-tier banks, credit unions, non-banks and digital-only lenders. In the current market some of the sharpest refinance pricing sits well outside the big four, with lenders most borrowers have never heard of.
We do not recommend a switch that does not stack up. We cost the discharge fee, the entry fees, the break cost if you are fixed, the LMI risk if your equity is near 80%, and the break-even month. If the answer is that you should stay put and come back in a year, that is what we will tell you.
Refinancing means dealing with an outgoing lender who has no reason to make leaving easy and an incoming lender with their own hoops. We prepare the application, coordinate the valuation, chase formal approval, lodge the discharge and confirm settlement. You deal with us, not with two banks at once.
We know which lenders value homes in Castle Hill, Kellyville, Bella Vista and Rouse Hill accurately and which come in low, which estates get conservative valuations, and how that plays into your LVR. For anyone releasing equity, the valuation is the whole ballgame.
Our service costs you nothing. We are paid a commission by the lender when the loan settles. No broker fee, no consultation fee, no application preparation fee. We work under the best interests duty in the National Consumer Credit Protection Act, which applies to every recommendation we make.
More than 2,000 Australians have trusted RyRo Loan Centre with their home loans. Plenty come to us specifically to refinance after years with their original lender, and the most common reaction is surprise at how much they had been overpaying.
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Read moreAnswers on demand
Common questions about when to refinance, costs, timing, equity, cash-out and how we help Sydney and NSW homeowners.
Why people ask
Our team
Sumit
Director & Senior Loan Specialist
Rohan
Asset Finance Specialist
Kathryn
Settlement & Client Liaison
Need something answered live? Talk to our team
Start here
Leave your details and we'll call you to run through your current rate, your options and your savings potential.
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First home buyer loans, owner-occupier loans and established property purchases, compared across 50+ lenders.
Home equity loansRelease equity for renovations, an investment deposit, debt consolidation or a major expense. Top-ups, cash out and lines of credit.
Investment property loansPortfolio lending, interest-only structures, cash out for deposits and multi-property serviceability.
Low doc loansRefinancing when you are self-employed and your tax returns do not tell the whole story about your income.
Construction loansRefinancing into a construction facility for a knockdown rebuild, major extension or a build on land you already own.
Personal financeCar and personal loans, plus advice on whether a debt is better consolidated into the mortgage or kept separate.
Not sure which one you need? Book a free strategy call or contact our Norwest office. No obligation, no credit check.
Refinance reads to help you choose the right rate, structure and lender for the next 5 years.
Equifax and illion ranges, bank minimums, specialist lenders and how to lift your score before refinancing.
Read the guidePicking the right post-refinance structure to actually save interest over the life of your loan.
Read the guideBreak costs, split loans and how to choose the structure that matches your refinance goal.
Read the guide
Reviewing your loan takes 20 minutes and costs you nothing. With the cash rate held at 4.35% in August 2026 and lenders competing hard for refinancing business, the gap between what you are paying and what is available is worth checking. RyRo Loan Centre compares 50+ lenders and manages the whole switch on your behalf, at no cost to you.
“Don't wait for your rate to become a problem. Find out where you stand now.”
Sumit · Director & Senior Loan Specialist
Meet the team
Rohan
Asset Finance
Helping clients secure the right equipment and vehicle finance.
Kathryn
Settlement Liaison
Keeping your settlement on track from application to keys.
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