# #359: The Refinance Playbook - The Numbers, Strategy & Timing Explained

Page: https://stenobird.com/podcast/the-property-trio-formerly-the-property-planner-buyer-and-professor-1182693/359-the-refinance-playbook-the-numbers-strategy-timing-explained
Text version: https://stenobird.com/podcast/the-property-trio-formerly-the-property-planner-buyer-and-professor-1182693/359-the-refinance-playbook-the-numbers-strategy-timing-explained.md
Podcast: [The Property Trio (formerly The Property Planner, Buyer and Professor)](https://stenobird.com/podcast/the-property-trio-formerly-the-property-planner-buyer-and-professor-1182693)
Published: 2026-04-27T08:57:29+00:00
Episode link: https://www.propertytrio.com.au/2026/04/27/the-refinance-playbook/
Audio file: https://api.spreaker.com/download/episode/71666240/pt_ep_359_edited_refinancing_title_tbd.mp3
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JSON: https://stenobird.com/v1/public/podcasts/the-property-trio-formerly-the-property-planner-buyer-and-professor-1182693/episodes/359-the-refinance-playbook-the-numbers-strategy-timing-explained
Duration seconds: 3096

## Resource

🎧 This week, The Property Trio unpacks whether refinancing is really worth it. This listener question was sent through by a loyal listener, Greg. Cate, Dave and Mike explain how to weigh savings against switching costs, including break fees, discharge fees, package costs and possible LMI. They also discuss why refinancing should be about strategy, not just rate chasing, and how offsets affect the numbers. Most importantly, they explore the risk of becoming a “mortgage prisoner” if future rate rises reduce borrowing capacity and limit your options. The Property Trio is: David Johnston, Mortgage Broker - Managing Director of Property Planning Australia https://propertyplanning.com.au/ Cate Bakos, Buyers Advocate - Managing Director of Cate Bakos Property https://www.catebakos.com.au/ Mike Mortlock, Quantity Surveyor - Managing Director of MCG Quantity Surveyors https://www.mcgqs.com.au/ 📩 Got a question you want answered in a future episode? Send it through https://www.propertytrio.com.au/contact-us/ You can find more info about topics covered in today's show here: https://www.propertytrio.com.au/2026/04/27/the-refinance-playbook/

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