# #365: Reviewing Your Home Loan - Negotiating Interest Rates Like a Pro, Offset Strategy & Refinancing Without Regret

Page: https://stenobird.com/podcast/the-property-trio-formerly-the-property-planner-buyer-and-professor-1182693/365-reviewing-your-home-loan-negotiating-interest-rates-like-a-pro-offset-strategy-refinancing-without-regret
Text version: https://stenobird.com/podcast/the-property-trio-formerly-the-property-planner-buyer-and-professor-1182693/365-reviewing-your-home-loan-negotiating-interest-rates-like-a-pro-offset-strategy-refinancing-without-regret.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: 2026-06-08T12:23:50+00:00
Episode link: https://www.propertytrio.com.au/2026/06/08/reviewing-your-home-loan/
Audio file: https://api.spreaker.com/download/episode/72416873/pt_ep_365_edited_reviewing_your_home_loan.mp3
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Duration seconds: 2805

## Resource

With interest rates rising and household budgets under pressure, many borrowers are looking for ways to reduce the cost of their home loans. In this episode, Cate, Dave and Mike explore practical strategies to improve cash flow, including negotiating with lenders, refinancing, reviewing loan structures and making better use of offset accounts. The Trio explain why advertised rates don't always tell the full story and highlights the value of working with a strategic mortgage broker. Whether you're an owner-occupier or investor, this episode offers actionable insights to help ensure your lending is working as hard as possible. Download your free copy of Dave’s Money Management Principles – the 7 Steps to Success: https://www.propertyplanning.com.au/money-management-principles Read David's Blog - How to Save Money on Your Home Loan - https://www.propertyplanning.com.au/post/how-to-save-money-on-your-home-loan 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/ Shownotes are here:https://www.propertytrio.com.au/2026/06/08/reviewing-your-home-loan/

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