When NOT to Refinance: Hidden Costs Outweighing Cashback
When not to refinance: hidden break fees, LMI, and reset loan terms often exceed $2,000–$5,000 cashback offers. Independent Australian analysis with RBA and APRA data.
When not to refinance: hidden break fees, LMI, and reset loan terms often exceed $2,000–$5,000 cashback offers. Independent Australian analysis with RBA and APRA data.
Independent comparison of 2026 Australian refinance cashback offers from $3,000 to $10,000. Examines lender conditions, LVR limits, serviceability buffers and the true cost of cashback deals. Includes primary-source data from RBA, APRA and ATO.
Our April tracker of ten current lender promotions — Bank of China, Suncorp, ME Bank, IMB, Great Southern Bank, ORDE Financial, Latitude and Uptain — with target borrower notes and the usual catches.
A $4,000 cashback sounds great until you're 15 bps worse off for five years. How to tell if the deal is actually a deal — with six live April 2026 offers priced out.