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🎧 This week, The Property Trio unpacks whether refinancing is really worth it. This listener question was sent through by a loyal listener, Greg.
Cate, Dave and Mike explain how to weigh savings against switching costs, including break fees, discharge fees, package costs and possible LMI. They also discuss why refinancing should be about strategy, not just rate chasing, and how offsets affect the numbers.
Most importantly, they explore the risk of becoming a “mortgage prisoner” if future rate rises reduce borrowing capacity and limit your options.
The Property Trio is: David Johnston, Mortgage Broker - Managing Director of Property Planning Australia
https://propertyplanning.com.au/ Cate Bakos, Buyers Advocate - Managing Director of Cate Bakos Property
https://www.catebakos.com.au/ Mike Mortlock, Quantity Surveyor - Managing Director of MCG Quantity Surveyors
https://www.mcgqs.com.au/ 📩 Got a question you want answered in a future episode? Send it through
https://www.propertytrio.com.au/contact-us/ You can find more info about topics covered in today's show here:
https://www.propertytrio.com.au/2026/04/27/the-refinance-playbook/
