Yes, you can refinance your mortgage at almost any time. It can be a good idea if interest rates have dropped, your fixed rate is ending, your financial situation has improved, you want lower repayments, better loan features, or to access equity. Before refinancing, it’s important to consider any exit or break costs and ensure the long-term savings outweigh the fees. KBA Home Loans can help compare options and confirm whether refinancing will genuinely benefit you.

You may be eligible for the First Home Owner Grant (FHOG) if you’re buying or building your first home and meet your state or territory’s criteria, such as property price limits, residency requirements, and living in the home as your principal place of residence. Eligibility rules vary across Australia, so KBA Home Loans can assess your situation and confirm whether you qualify and how the grant can be used toward your purchase.

Yes, you can absolutely pay off your mortgage early with extra repayments without any penalties.

LMI is typically required when the down payment is less than 20% of the home's purchase price. It protects the lender in case the borrower defaults on the loan.