The real size of the loyalty gap, every fee by state, break costs in a rising market, the offset trap ASIC found at eight banks, and what a 0.5% cut is worth if you keep the repayment.
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Every figure is dated and traceable to a public source. The last section of the guide lists them.
Discharge, registration and settlement fees by state for 2026-27, valuation and application fees, and when break costs bite.
Current rate table, what three rises added to a $600,000 loan, and the $160,584 difference from holding your repayment.
ASIC found offsets opened but not linked at eight banks. The five-minute check to do after every refinance.
Three rate rises, and a loyalty tax that is smaller than you were told
Every fee, itemised, and why break costs are probably small right now
What the curve is telling you, and what half a percent is worth
The 3% buffer, the exception that exists, and what lenders check now
Where the money actually is, and the account that silently breaks
Why a lower rate over a longer term costs more
Eight weeks from decision to settlement, and where it stalls
The decision in one page, and the thirty days after it
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