Refinancing your home loan involves replacing your existing mortgage with a new one, usually to obtain a lower interest rate, reduce monthly payments, adjust loan terms, or tap into your home equity. In a climate of changing interest rates, refinancing your mortgage can help optimise your finances and potentially save thousands of dollars over the lifespan of your loan. Speaking to one of the home loan experts at Smart Lending is the easiest way to ensure that you get the best home loan refinance rates.