After a year defined by recalibration, renewed confidence, and the first signs of genuine momentum returning to the property market, 2025 has laid the groundwork for a very different chapter ahead.

Refixing your mortgage doesn’t have to feel like walking through a financial minefield; it’s simply about knowing what to look for and asking the right questions.

With summer now upon us and those long-awaited bach getaways are in sight, now’s the perfect time to give your coastal or country retreat a little TLC.

The Reserve Bank trimmed the Official Cash Rate by 25 basis points in November bringing it down to 2.25% - the lowest level since mid-2022.