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Refinancing is having a moment. Data shared by Commonwealth Bank shows that refinancers accounted for 44% of mortgage market share in April 2025, with the banking major anticipating sustained growth throughout the rest of 2025. ANZ, meanwhile, highlights that refinancing volumes have surged by up to 40%, with a 20-30% increase in the number of transactions, per Australian Bureau of Statistics data. No prizes for guessing why with Reserve Bank of Australia rate cuts in the bag and more (probably) to come, customers are making a move. "We've certainly seen a shift in momentum," Natalie Smith, ANZ's general manager, retail broker, said. Brokers are reporting that customers are becoming more active in reviewing their home loans, "particularly as interest rates begin to ease".

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ING has some standout qualifications. They have been named Canstar's Bank of the Year six years running. The award recognises banks that provide outstanding value to their customers through their product and service offerings across key banking products. They were also awarded Finder's 2024 Australia's Most Loved Home Loan. A few areas where ING

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A growing number of Australians aged 60 and over are selling their long-held homes and moving into smaller properties, according to the Real Estate Buyers Agents Association of Australia (REBAA). The trend is being fuelled by the need to access home equity and manage retirement finances, with recent research from Finder indicating that 6% of Australians downsized in the past year to cope with rising living expenses.

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Macquarie have some very flexible policies around investment lending. Some of the niches include - No limit on cash out, up to 80% LVR based on acceptable purpose and within security LVR limits. Above 80%, no cash out, equity release or debt consolidation beyond $5,000 for refinance costs. Examples of acceptable purposes: personal investment (share purchase), home improvements/renovations, personal use (travel, wedding, etc.), motor vehicle, deposit on property, purchase of property, debt consolidation.

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