Should You Refinance in 2025? Here’s How to Know

Interest rates. Rising costs. Lenders trying to keep you locked in. Welcome to the 2025 refinance jungle.

But here’s the deal — if you haven’t looked at your mortgage in 18+ months, there’s a good chance you’re paying more than you need to.

We break down:

• What refinancing is

• When it’s worth doing (and when it’s not)

• What to look for in a better deal

• How a mortgage broker makes the process simple

🔁 What Is Refinancing?

It’s when you swap your current home loan for a new one — often with a different lender — to get a better rate or features.

You can:

• Lower your interest rate

• Reduce your repayments

• Access equity for renovations or investments

• Switch to a loan with better features (like an offset account)

🕵️‍♂️ Signs You Might Be Due for a Refinance

• Your rate starts with a 6 or higher

• You’re still on a fixed rate from 2–3 years ago

• You’ve built up equity

• You want better features (offset, redraw, flexibility)

• You’re feeling stuck and want options

💰 How Much Can You Actually Save?

Let’s say:

• $600k loan

• Current rate: 6.3%

• New rate: 5.8%

That’s around $150/month saved. Over 3 years = $5,400.

Not bad for a few hours of admin — which we handle for you.

⚠️ When NOT to Refinance

Sometimes it’s not the right move.

• If you’re mid-fixed with a big break fee

• If your current lender has loyalty perks you need

• If you’ve just bought and haven’t built up equity

That’s why we review the numbers and tell you straight.

🧰 How Nude Makes Refinancing Easy

We:

• Compare your current loan to 30+ lenders

• Crunch the real savings

• Help you switch smoothly (or stay put if that’s smarter)

We’ll even let your current lender know — and help you negotiate if you want to stay.

👥 Real Nude Story: Amanda & Leo in Preston

They refinanced with us in March 2025:

• Switched from a 6.5% rate to 5.89%

• Got an offset account + fee-free redraw

• Saved $218/month

“It was easier than changing energy providers. Wish we’d done it sooner.”

✅ Ready to Refinance Like a Pro?

If you’re not sure if refinancing is worth it, we’ll help you find out.

👉 [Book your free refinance review with Nude Home Loans]