Refinance Checklist
A practical checklist to decide if refinancing is right and how to prepare your file.
Guide
Practical steps in plain English.
Use this as a preparation checklist before speaking with your broker or lender.
Before you refinance
- Review current rate, fees, and loan features
- Check fixed-rate break costs if applicable
- Clarify your goal: lower repayments, flexibility, or debt consolidation
- Estimate all switching costs, not just interest rate savings
Documents to prepare
- Recent loan statements
- Income and employment documents
- Council rates notice and property details
- Statements for debts to be consolidated
After settlement
- Close redundant accounts and old direct debits
- Set up offset/redraw as planned
- Review repayment structure after first statement
- Schedule an annual loan review
Need tailored advice?
Turn this guide into a personal lending plan.
If you want this applied to your own numbers and timeline, reach out directly for a clear next-step strategy.