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How to stay ahead as rates move higher

  • May 15th, 2026

Between the Middle East conflict, rising prices and two rate increases this year, many households are feeling the squeeze.

Between the Middle East conflict, rising prices and two rate increases this year, many households are feeling the squeeze.
That’s why a lot of borrowers are reviewing their loan, not just riding it out.
Refinancing can help you:
  • secure a more competitive rate.
  • restructure your loan to suit current conditions.
  • improve cash flow.
But timing is the tricky part.

Refinance now or wait?

Refinancing now could mean reducing repayments sooner and getting ahead of further rate rises. Waiting could mean accessing better rates if markets settle and avoiding switching costs too early. There’s no perfect moment – it depends on your situation, not just the market.

Where to start

The key is understanding what your current loan looks like compared to what’s available now. I can help you review your rate, compare options and decide whether acting now or waiting makes more sense for you.
Want to see if you could be paying less?

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your financial journey

Give FIA a call today and set off on your financial adventure toward the best version of your future.
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1300 648 175 info@financeindustries.com.au

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FABIAN RESTAINO (Credit Representative Number 382599) and Finance Industries Australia Pty Ltd (ABN: 81 619 871 788 with Credit Representative Number 500181) are authorised Credit Representatives under Australian Credit Licence 387025.

The information provided is on the understanding that it is for illustrative and discussion purposes only. Whilst all care and attention is taken in its preparation any party seeking to rely on its content or otherwise should make their own enquiries and research to ensure its relevance to your specific personal and business requirements and circumstances. Terms, conditions, fees and charges may apply. Normal lending criteria apply. Rates subject to change. Approved applicants only.