Mortgage brokers unlock refinancing for more borrowers

Refinancing is back on the table for more borrowers, as serviceability pressures ease and confidence begins to lift.

The Mortgage & Finance Association of Australia’s latest broker sentiment survey found 99% of brokers helped clients refinance to a new lender in the past six months, up from 97% in February.

Nearly all also helped their clients negotiate a better rate. And more borrowers are turning to brokers for the first time, with 92% of brokers reporting new clients refinancing through them.

Broker support goes beyond switching loans. In the same period, 90% helped clients with budgeting strategies and 80% guided them through hardship options.

Financial sentiment is on the rise too. One in three clients now feel positive about their financial outlook, while almost half feel neutral.

An infographic showing data on How are brokers' clients feeling (Pie chart: 34.2% Positive, 18.9% Negative and 46.8% Neutral) the data came from Change from February 2025 Sentiment Survey results. Next chart is about Top three reasons driving sentiment (Ranking in the February 2025 Sentiment Survey) Under Positive are 1) Interest rates (1), 2) Equity position (2), 3) Job Security (3). Under Neutral are 1) Cost of living (2), 2) Housing supply (3), 3) Interest rates (1). Under Negative are 1) Cost of living (1), 2) Job Security (7) and 3) Housing supply (3). Next chart is results over the last six months. 1) 99% have helped their clients secure a discount. 2) 99% have helped their clients refinance to a new lender. 3) 90% have helped their clients with budgeting strategies. 4) 80% have helped their clients to understand hardship options. — An infographic showing data on How are brokers’ clients feeling (Pie chart: 34.2% Positive, 18.9% Negative and 46.8% Neutral) the data came from Change from February 2025 Sentiment Survey results. Next chart is about Top three reasons driving sentiment (Ranking in the February 2025 Sentiment Survey) Under Positive are 1) Interest rates (1), 2) Equity position (2), 3) Job Security (3). Under Neutral are 1) Cost of living (2), 2) Housing supply (3), 3) Interest rates (1). Under Negative are 1) Cost of living (1), 2) Job Security (7) and 3) Housing supply (3). Next chart is results over the last six months. 1) 99% have helped their clients secure a discount. 2) 99% have helped their clients refinance to a new lender. 3) 90% have helped their clients with budgeting strategies. 4) 80% have helped their clients to understand hardship options.

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