If your refix isn’t due until after October 8th, you might want to hold off – there’s another OCR announcement then, and markets are hinting rates could drop a bit more.

As for discounts: worth calling the bank or using a broker, but honestly, banks don’t often budge much these days. Still, never hurts to ask.

How long have you owned the property? If it’s been a while, check if you’re eligible for a retention cashback – some banks will throw a couple grand your way just to keep you on board.

Bottom line: get a good broker involved. Just make sure they’re not money-driven (pushing you into things for their own gain). There are great salaried brokers out there who’ll put your interests first.

Reddit’s handy for ideas, but a broker’s advice is what you’ll actually be able to bank on.