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Lending & Debt | 1 min read

Podcast: Re-pricing vs refinancing

To reprice or refinance? Understanding Your Options

The Ironbark Advice Lending team explores the differences between repricing and refinancing and why the lowest rate isn't always the best deal. 

When it comes to your home loan, securing a lower interest rate isn't always as straightforward as it seems. Should you negotiate a better deal with your current lender, or could refinancing to a new lender deliver greater benefits?

In the latest episode of Interest Rates with Mates, Colin Mason, Jessie Spencer and Leah Lacey from the Ironbark Advice - Lending team (Formerly Mason Finance Group) unpack the key differences between repricing and refinancing. They discuss when each option may be appropriate, why the lowest rate doesn't always mean the best outcome, and the common refinancing mistakes borrowers should avoid.

Tune in for practical insights that could help you make more informed decisions about your lending arrangements.

1 October 2026

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This content has been prepared by Cornerstone Financial Group Pty Ltd trading as Ironbark Advice, a Credit Representative 530765 of LMG Broker Services Pty Ltd (ACN 632 405 504) Australian Credit Licence no. 517192. It contains general information only and does not consider your personal financial circumstances or needs. Before making any financial decision, you should consider obtaining professional advice. Any opinions expressed are the opinions of the authors at the time of posting, and do not constitute a recommendation to act. These opinions may change after an item is posted and no warranty of currency is provided. All information referenced is believed to be accurate at the time of compilation and is provided by Ironbark Advice in good faith. This content may contain information contributed by third parties. Ironbark Advice does not warrant the accuracy or completeness of any information contributed by a third party. No representation or warranty as to the quality, accuracy, reliability, timeliness or completeness of this material is made by Ironbark or its representatives. To the extent permitted by law, Ironbark Advice is not liable for any loss or damage arising because of a reliance placed on the contents of this page.