General information for preparation, not a lending decision.帮助您准备问题的一般信息，不是贷款决定。
Loan structure after refinancing转贷后的贷款结构
Refinancing is an opportunity to redesign how your home loan is structured: not just to secure a lower rate. The three main decisions are fixed versus floating allocation, split loans, and offset accounts.
A common approach is to fix a portion of the loan for certainty while keeping a floating portion for flexibility. For example, a borrower with a $600,000 loan might fix $450,000 for two years at 5.8% and keep $150,000 floating. The floating portion allows extra repayments without break costs and can serve as a buffer if you expect a lump sum: such as a bonus or inheritance: within the next year.
Split loans take this idea further. You can divide the loan into multiple fixed tranches with different terms and even different lenders. A typical split might be one-third on a one-year fix, one-third on a three-year fix, and one-third on a five-year fix. This spreads interest-rate risk: if rates rise, only the portion due for renewal adjusts at the higher rate. If rates fall, you can refix a tranche sooner without breaking the entire loan.
Offset accounts: sometimes called revolving credit or flexible facilities: link a transaction account to the loan balance. Instead of earning interest on savings in the account, the balance offsets the loan principal, reducing the interest charged. A client who keeps $20,000 in an offset account linked to a $400,000 loan effectively pays interest on $380,000. This can be tax-efficient for borrowers who hold savings alongside their mortgage, though offset facilities often carry a slightly higher floating rate than standard floating loans.
A purely floating structure offers maximum flexibility but typically at a higher interest rate than fixed options. It suits borrowers who expect large irregular repayments or plan to sell the property within 12 months.
Conversely, fixing the entire loan at a single term is the simplest structure but offers no buffer for changing circumstances. A mortgage adviser can model how different split strategies might perform under rising or falling rate scenarios before you commit.
转贷不仅是获得更低的利率，也是重新设计房贷结构的机会。三个主要决策是固定与浮动分配、拆分贷款和 offset 账户。
一种常见做法是将部分贷款固定以获得确定性，同时保留浮动部分以获得灵活性。例如，贷款 60 万纽元的借款人可能将 45 万纽元固定两年（利率 5.8%），并保留 15 万纽元浮动。浮动部分允许额外还款而无需 break cost，并且如果您预计在一年内有一次性收入（如奖金或遗产），可以作为缓冲。
拆分贷款进一步扩展了这一思路。您可以将贷款分成多个不同期限甚至不同银行的固定贷款部分。典型的拆分可能是三分之一一年期固定、三分之一三年期固定、三分之一五年期固定。这样可以分散利率风险：如果利率上升，只有到期续期的部分按较高利率调整；如果利率下降，您可以更早地重新固定某一部分，而无需解除整个贷款。
Offset 账户（有时称为 revolving credit 或灵活贷款）将交易账户与贷款余额关联。账户中的存款不产生利息，而是抵消贷款本金，从而减少利息支出。客户在关联 40 万纽元贷款的 offset 账户中保留 2 万纽元，实际仅需支付 38 万纽元的利息。对于持有储蓄的房贷借款人来说，这可能是税务高效的，不过 offset 贷款的浮动利率通常略高于标准浮动贷款。
纯浮动结构提供最大灵活性，但利率通常高于固定选项。适合预计有大额不规则还款或计划在 12 个月内出售房产的借款人。
相反，将整个贷款固定在一个期限是最简单的结构，但对于环境变化没有任何缓冲。贷款顾问可以在您承诺之前，模拟不同拆分策略在利率上升或下降情景下的表现。
Points to keep in mind需要留意的事项
- Read the details alongside your own figures, timing, and documents.请结合自己的数字、时间安排和材料阅读这些内容。
- Use this article to prepare questions. Current lender criteria and personal circumstances still need to be checked.把文章当作准备问题的起点，具体贷款机构政策和个人情况仍需进一步确认。
Questions people often ask常见问题
No. This is general information from an existing service-page article. Approval, eligibility, cost, and suitability depend on your circumstances and the relevant lender criteria.
不能。这是从现有服务页面整理的一般信息。资格、审批、成本和适合性仍取决于您的实际情况以及相关贷款机构的评估标准。
Use it to identify the questions and documents that matter to your situation before deciding whether to start a conversation.
您可以把它作为整理问题和准备材料的起点，再决定是否需要结合自己的情况进一步沟通。
Source context来源背景
These public sources provide context for the general information in this article.以下公开来源为本文的一般信息提供背景。