Interest rates, property values, and personal goals all change — and refinancing your investment property loan can unlock better cash flow, faster growth, and improved equity. But timing is everything.
1. When Interest Rates Drop
Lower rates mean lower repayments and higher net yield. Regularly comparing your current loan to market options can save thousands each year.
2. When Your Property Value Has Grown
If your Melbourne investment property has appreciated, you may have built up usable equity. Refinancing can help you access funds for renovations or future purchases.
3. When Your Fixed Rate Is About to End
Don’t wait for a surprise rate jump. Review your loan three to six months before the fixed period expires to negotiate a competitive variable or new fixed rate.
4. When You Want to Consolidate or Streamline
If you own multiple investment properties, refinancing can simplify repayments and improve your borrowing structure — making portfolio growth easier.
5. When Your Goals Change
Planning to retire early? Looking to free up cash flow? Refinancing is a powerful tool to align your loan structure with your financial goals.
Tip: Always factor in refinancing costs (valuation, discharge, and application fees) before proceeding.
At Rented, we work closely with trusted financial partners who specialise in property investment loans across Melbourne. Contact us today and we’ll connect you with the right experts to review your situation.
