Switching your home loan isn't something most people think about until something prompts them — a rate rise, a conversation with a friend, or a nagging feeling that you might be paying too much. But for many Australian borrowers, the numbers make a compelling case for at least taking a look. So let's talk about what the savings can actually look like — and what to factor in before you make a move. The Rate Gap Is Often Bigger Than You Think One of the most consistent patterns