Refix with Confidence, Not Assumptions

When your fixed rate is due to expire, you’ve got an opportunity to reassess—not just roll over. At Optimise Finance, we help clients make the right choice when refixing their home loans.

In 2025, interest rates have been trending downward for some time – which means there may be real savings or even cash incentives on the table if you’re proactive about negotiating now.

We’ll compare the latest rates across lenders, help you choose between fixed, floating, or split options, and ensure your loan structure reflects your current lifestyle, income, and future plans. Even small changes can have a big impact—so don’t leave money on the table. Let us negotiate a deal that puts you in a stronger financial position.

Banks often send a letter with refix offers just before your rate expires. But those aren’t always the best deals available. We proactively compare rates, structure your lending to reduce risk, and ensure you maintain flexibility for the future.

For those managing multiple loans, we’ll also review how to stagger expiry dates, manage repayments, and assess whether offset or revolving credit accounts could benefit you. It’s all about being proactive and strategic.

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How We Can Help

We’ll negotiate with your current lender or explore other market options to make sure you refix on the most competitive and suitable terms available. No assumptions—just personalised advice.

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Next Steps

If your fixed rate is coming up for renewal, now’s the time to talk. Reach out to Optimise Finance for a free, no-pressure review of your refix options.