The most common triggers: your fixed rate period has expired (and you’ve rolled onto the lender’s standard variable rate); you haven’t reviewed your loan in 2+ years; your Geelong property has grown significantly in value (improving your LVR); you want to access equity for renovations or investment; or your personal circumstances have changed. Paddy runs the numbers honestly — if refinancing doesn’t make sense right now, he’ll tell you that. Read the full guide: 7 Signs It’s Time to Refinance.