{"id":16807,"date":"2025-09-04T15:08:12","date_gmt":"2025-09-04T03:38:12","guid":{"rendered":"http:\/\/quantiphy.com.au\/oldbackup\/?p=16807"},"modified":"2025-09-04T15:08:39","modified_gmt":"2025-09-04T03:38:39","slug":"surge-in-switching-1000-home-loans-refinanced-every-day","status":"publish","type":"post","link":"https:\/\/quantiphy.com.au\/oldbackup\/surge-in-switching-1000-home-loans-refinanced-every-day\/","title":{"rendered":"Surge in switching: 1,000 home loans refinanced every day"},"content":{"rendered":"<p>Three rate cuts since February have spurred home owners to take a closer look at their home loan. Turns out plenty have found a loan better suited to their needs elsewhere, with 100,000 home loans refinanced in the past quarter.<\/p>\n<p>It\u2019s not every day we do a double-take looking at lending numbers.<\/p>\n<p>But it happened this week, with the\u00a0<a href=\"https:\/\/www.abs.gov.au\/statistics\/economy\/finance\/lending-indicators\/jun-quarter-2025\" target=\"_blank\" rel=\"noopener noreferrer\">latest ABS data revealing<\/a>\u00a0an astonishing 1.26 million home loans have been refinanced over the past three years.<\/p>\n<p>A rise in refinancing kicked off when the Reserve Bank of Australia (RBA) hiked rates across 2022 and 2023.<\/p>\n<p>Now that\u00a0<a href=\"https:\/\/www.rba.gov.au\/statistics\/cash-rate\/\" target=\"_blank\" rel=\"noopener noreferrer\">rates are on the way down<\/a>, home owners are just as eager to switch.<\/p>\n<p>Almost 100,000 mortgages were refinanced in the June 2025 quarter. That\u2019s just over 1,000 home loans daily \u2013 the highest level since September 2023.<\/p>\n<p>Here\u2019s why Australians are refinancing in such large numbers.<\/p>\n<h3>The potential to save on loan interest, lower repayments<\/h3>\n<p>The RBA has handed home owners savings on a platter in recent times, with three rate cuts totalling 0.75% so far this year.<\/p>\n<p>But home owners hungry for more have the potential to unlock extra savings.<\/p>\n<p>Canstar has\u00a0<a href=\"https:\/\/www.canstar.com.au\/finance-news\/1000-mortgages-switching-on-back-of-august-rate-cuts\/\" target=\"_blank\" rel=\"noopener noreferrer\">crunched the numbers<\/a>, finding that a borrower with a $600,000 loan could save more than $12,000 over the next two years by switching to a lower-rate loan.<\/p>\n<p>This assumes the borrower hasn\u2019t renegotiated their rate in the last three years. But that\u2019s not unreasonable.<\/p>\n<p>Meanwhile, a\u00a0<a href=\"https:\/\/www.finder.com.au\/news\/homeowners-dont-know-their-mortgage-rate-2025\" target=\"_blank\" rel=\"noopener noreferrer\">Finder survey shows<\/a>\u00a0more than one-in-two home owners have no idea what rate they\u2019re currently paying.<\/p>\n<h3>A chance to access home equity<\/h3>\n<p>Refinancing may offer more than rate savings.<\/p>\n<p>Switching to a new loan could be an opportunity to tap into the equity built up in your home. And you could have a lot more equity than you realise.<\/p>\n<p>Home values nationally have\u00a0<a href=\"https:\/\/pages.cotality.com\/hubfs\/CoreLogic%20AU\/Article%20Reports\/Cotality%20HVI%20August%202025.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">risen 45% in the last five years<\/a>, and are 65% higher than they were a decade ago.<\/p>\n<p>So if you need funds for a variety of purposes \u2013 from renovating your home, to paying for the kids\u2019 education, to investing in a rental property \u2013 refinancing may offer a lower-rate solution.<\/p>\n<div class=\"bt_bb_row\" data-structure=\"12\">\n<div class=\"bt_bb_column col-md-12 col-ms-12 bt_bb_align_left bt_bb_vertical_align_top bt_bb_padding_normal\" data-width=\"12\">\n<div class=\"bt_bb_column_content\">\n<div class=\"bt_bb_separator bt_bb_bottom_spacing_small bt_bb_border_style_none\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"bt_bb_row_wrapper bt_bb_row_width_boxed_1200\">\n<div class=\"bt_bb_row\" data-structure=\"2-4-4-2\">\n<div class=\"bt_bb_column col-md-2 col-sm-4 col-ms-12 bt_bb_align_left bt_bb_vertical_align_top bt_bb_padding_normal\" data-width=\"2\">\n<div class=\"bt_bb_column_content\"><\/div>\n<\/div>\n<div class=\"bt_bb_column col-md-4 col-ms-12 bt_bb_align_center bt_bb_vertical_align_top bt_bb_padding_double bt_bb_highlight\" data-width=\"4\">\n<div class=\"bt_bb_column_content\">\n<div class=\"bt_bb_separator bt_bb_bottom_spacing_small bt_bb_border_style_none\"><\/div>\n<div class=\"bt_bb_separator bt_bb_bottom_spacing_small bt_bb_border_style_none\"><\/div>\n<div class=\"bt_bb_text\">\n<h6>Speak To An Expert<\/h6>\n<p>Schedule in a time to discuss your situation with a home loan specialist<\/p>\n<\/div>\n<div class=\"bt_bb_separator bt_bb_bottom_spacing_normal bt_bb_border_style_none\"><\/div>\n<div class=\"bt_bb_button bto btop bt_bb_icon_position_left bt_bb_color_scheme_14 bt_bb_style_filled bt_bb_width_inline bt_bb_shape_inherit bt_bb_size_normal bt_bb_align_inherit\" data-bt-override-class=\"{&quot;bt_bb_size_&quot;:{&quot;current_class&quot;:&quot;bt_bb_size_normal&quot;,&quot;xl&quot;:&quot;normal&quot;},&quot;bt_bb_align_&quot;:{&quot;current_class&quot;:&quot;bt_bb_align_inherit&quot;,&quot;xl&quot;:&quot;inherit&quot;}}\"><a class=\"bt_bb_link\" title=\"BOOK IN A CALL\" href=\"\/finance\/book-a-chat-with-tommy-biller\/\" target=\"_self\" rel=\"noopener noreferrer\"><span class=\"bt_bb_button_text\">BOOK IN A CALL<\/span><\/a><\/div>\n<div class=\"bt_bb_separator bt_bb_bottom_spacing_normal bt_bb_border_style_none\"><\/div>\n<\/div>\n<\/div>\n<div class=\"bt_bb_column col-md-4 col-ms-12 bt_bb_align_center bt_bb_vertical_align_top bt_bb_padding_double bt_bb_highlight\" data-width=\"4\">\n<div class=\"bt_bb_column_content\"><\/div>\n<\/div>\n<div class=\"bt_bb_column col-md-2 col-sm-4 col-ms-12 bt_bb_align_center bt_bb_vertical_align_top bt_bb_padding_double bt_bb_highlight\" data-width=\"2\">\n<div class=\"bt_bb_column_content\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"bt_bb_separator bt_bb_bottom_spacing_small bt_bb_border_style_none\"><\/div>\n<h3>A loan better suited to your needs<\/h3>\n<p>Switching to a new home loan may also be a chance to access improved loan features.<\/p>\n<p>Maybe you\u2019re keen to take advantage of an offset account or split your loan between fixed and variable rates.<\/p>\n<p>If your current loan doesn\u2019t offer these or other features such as a redraw facility, it could be worth looking into refinancing.<\/p>\n<h3>Leave the legwork to us<\/h3>\n<p>More than a hundred thousand families have benefited from refinancing in the last quarter alone.<\/p>\n<p>The longer you put it off, the longer you may keep paying your old rate.<\/p>\n<p><a href=\"http:\/\/quantiphy.com.au\/oldbackup\/finance\/book-a-chat-with-tommy-biller\/\">Book in a call<\/a> and we\u2019ll help you get the ball rolling.<\/p>\n<p><strong>Disclaimer:<\/strong>\u00a0The content of this article is general in nature and is presented for informative purposes. It is not intended to constitute tax or financial advice, whether general or personal nor is it intended to imply any recommendation or opinion about a financial product. It does not take into consideration your personal situation and may not be relevant to your circumstances. Before taking any action, consider your own particular circumstances and seek professional advice. This content is protected by copyright laws and various other intellectual property laws. It is not to be modified, reproduced or republished without prior written consent.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Three rate cuts since February have spurred home owners to take a closer look at their home loan. Turns out plenty have found a loan better suited to their needs elsewhere, with 100,000 home loans refinanced in the past quarter. It\u2019s not every day we do a double-take looking at lending numbers. But it happened&#8230;<\/p>\n","protected":false},"author":4,"featured_media":16808,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[42,6],"tags":[],"class_list":["post-16807","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance","category-news"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Surge in switching: 1,000 home loans refinanced every day - Quantiphy<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/finance-matters.info\/2025\/08\/20\/surge-in-switching-1000-home-loans-refinanced-every-day\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Surge in switching: 1,000 home loans refinanced every day - Quantiphy\" \/>\n<meta property=\"og:description\" content=\"Three rate cuts since February have spurred home owners to take a closer look at their home loan. 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