Refinance
Should you refinance in 2026: the break-even maths, step by step
Discharge fee $350, new application $600, valuation $300. At 0.30% rate saving on $650k, break-even is 7 months.
Refinance
Refinance cashback offers 2026: worth it, or a trap
Several lenders offer $2,000-$4,000 cashback — but a 0.15% higher rate costs more over 3 years. Do the maths.