The Urgency of Refinancing Now After the November RBA Review

The RBA kept the cash rate on hold in November, which many homeowners see as a sign to “wait and see”. But holding off can mean missing out on genuine savings. Lenders don’t always follow the RBA they adjust their own rates, remove discounts, or tighten policy at any time.

Refinancing now allows you to lock in a lower rate if you’re eligible and improve cash flow straight away. And if rates fall further next year, you can always refinance again. The cost of waiting, meanwhile, can be significant: higher monthly repayments, weaker borrowing power over time, and missing out on competitive offers available today.

With lenders aggressively targeting new customers, borrowers with strong credit and good equity are already accessing variable rates under 5 percent. Acting while your financial profile is strong gives you more control and more options.

Our Approach at RateUnity

RateUnity negotiates sharp rates by working with a panel of lenders who support competitive pricing. This provides borrowers with:

• Access to below-market rate options

• Support in comparing lenders without pressure

• A clear recommendation on whether refinancing makes financial sense

If staying with your current lender is the best option, we’ll tell you that too.

Next Steps

• Register on the website

• Select a time for a call back

• Meet with me

• Start the process to save

www.rateunity.com.au | 0403 042 642

Important Information

RateUnity Pty Ltd ACN 668 166 283 | Australian Credit Licence 554016The information in this blog is general in nature and does not take into account your objectives, financial situation, or needs. Please consider whether it is appropriate for you before acting. The lowest available interest rate may not be suitable for your circumstances. Eligibility criteria, lender policy, product availability, and features may vary. Credit conditions, fees and charges may apply.

Written by Pier Culley, Founder of RateUnity