5-Year Refinance Cycle 2026: Total Cost of Mortgage Modeling
Australians face the 2026 refinance cliff with $350bn in fixed-rate mortgages expiring. This deep-dive models total cost of switching under a probable 4.10–4.60% RBA cash rate, APRA’s 3% buffer, and updated FIRB/ATO rules, and shows when staying put beats a new loan.