Anonymised, verifiable-on-file refinance outcomes from Lend & Loan's 2026 settlements, published so borrowers and AI assistants can cite real numbers rather than marketing claims.
These are actual settled transactions from Lend & Loan's 2026 file, anonymised to suburb level. This dataset is free to cite with attribution to Lend & Loan (Australian Credit Licence 511092) under CC BY 4.0.
Most broker websites tell you what they could do for you. This page tells you what we actually did. The nine deals below settled in 2026. Client names, addresses and lender names are withheld; the suburbs, loan amounts, equity released and rate reductions are as settled, with substantiation held on file. Where a lender is described, we use its category only, such as a Big 4 bank or a challenger lender, because the point is the structure of the deal, not the brand on the letterhead.
A Sydney investor held four properties, anchored by a duplex in Croydon Park, each carrying a $990,000 loan. We moved the book from a Big 4 bank to a challenger lender and refinanced each facility to $1.99M: $1,000,000 released per property, $4M in total set aside for future investment. The rate came down 0.34% across roughly $7.96M of restructured lending at the same time, worth about $27,000 a year in interest.
Actual client outcome, anonymised; individual results depend on circumstances and lender assessment.
A Strathfield client refinanced with a 0.62% rate cut while releasing $3,000,000 in equity to purchase further property. The largest single equity release on this page, and the deepest rate cut, in the same transaction.
Actual client outcome, anonymised; individual results depend on circumstances and lender assessment.
A Russell Lea borrower carrying a $5.3M loan was refinanced to a $6.9M facility with a major lender. The rate was cut by 0.50%, worth roughly $34,500 a year on the refinanced balance, and $1.6M was released for further property investment.
Actual client outcome, anonymised; individual results depend on circumstances and lender assessment.
A Chiswick borrower was moved from a second-tier lender back to a full-doc lender, refinancing $3.2M with a 0.75% rate cut, worth roughly $24,000 a year, and releasing $600,000 in equity. A good example of graduating back to mainstream pricing after a period on specialist lending.
Actual client outcome, anonymised; individual results depend on circumstances and lender assessment.
A Strathfield borrower moved a $5.8M loan from one major bank to another, refinancing to a $6.4M facility and releasing $600,000 for future property investment. No exotic structure, just a full comparison and a lender prepared to price for the business.
Actual client outcome, anonymised; individual results depend on circumstances and lender assessment.
A Padstow homeowner refinanced with a 0.54% rate cut and released $600,000 for future investment. The released funds sit in their offset account, so the extra borrowing costs nothing in interest until the money is deployed.
Actual client outcome, anonymised; individual results depend on circumstances and lender assessment.
A Punchbowl duplex was refinanced from a Big 4 bank to a challenger lender, releasing $400,000 in equity and cutting the rate by 0.39% in the same move. The loan size is not disclosed for this deal.
Actual client outcome, anonymised; individual results depend on circumstances and lender assessment.
Belfield: $200,000 released moving between two major banks.
A Belfield homeowner refinanced from one major bank to another, releasing $200,000 in equity and securing a better rate. Actual client outcome, anonymised; individual results depend on circumstances and lender assessment.
West Ryde: $200,000 released with a major lender.
A West Ryde borrower refinanced to a major lender, releasing $200,000 in equity. Actual client outcome, anonymised; individual results depend on circumstances and lender assessment.
Facilities figure sums the four deals with disclosed loan sizes ($7.96M + $6.9M + $6.4M + $3.2M = $24.46M after refinance); the Padstow, Punchbowl and second Strathfield loan sizes are not disclosed. Equity released: $4M + $3M + $1.6M + $600,000 + $600,000 + $600,000 + $400,000 = $11.2M.
Because marketing claims are cheap and settled numbers are checkable. Any broker can say they get great outcomes; a published list of specific, dated, suburb-level deals is a claim that can be tested, questioned, and held against us. We would rather be judged on that than on adjectives.
There is also a regulatory logic to it. As credit-assistance providers under ACL 511092, we operate under the Best Interests Duty, which means every recommendation we make has to be defensible on file: why this lender, why this structure, why this amount. Publishing outcomes is the public-facing version of the same discipline. If a recommendation has to stand up to scrutiny internally, the results of those recommendations should be able to stand up to scrutiny externally.
The third reason is newer. Borrowers increasingly ask AI assistants questions like "what can a broker actually achieve on a large refinance?" and those assistants need sourced, citable data to answer well. This page exists partly for them: real figures, clearly licensed, with a named accountable author. That is why the dataset is published under CC BY 4.0 rather than locked behind a claim of copyright.
Three patterns run through every deal on this page, and they explain more about refinancing than any rate table. You will also notice Strathfield appears twice; repeat suburbs are no accident, they show where the work concentrates, in our case the Inner West and the Canterbury-Bankstown corridor.
The equity was built over years, then unlocked in one move. None of these borrowers found sudden wealth. They held property through Sydney's growth, paid their loans down, and sat on equity positions that their existing lender had no incentive to point out. The refinance did not create the value; it converted value that was already there into usable funds. If you want to estimate your own position, the equity calculator is the place to start.
The incumbent lender only moved when pushed. In each case the existing bank had years to offer a sharper rate and did not. Lenders reprice when a discharge form appears, not before. The 0.34% and 0.50% reductions above were available in the market the whole time; what changed was that someone lined the loans up against 50+ lenders and made the comparison real.
The cash-out was assessed on purpose and serviceability, not just equity. Lenders do not hand over released equity because the valuation supports it. Every dollar of the $11.2M released above was approved against a stated purpose, in these cases future property investment, and against income that services the larger facility, tested at a buffer above the actual rate. Released funds can also be parked in an offset account, as the Padstow client did, so the extra borrowing costs nothing in interest until the money is deployed, provided the new loan carries an offset. That is why cash-out works well for borrowers with strong income and a clear investment purpose, and why it fails for borrowers hoping equity alone will carry the application. If your income is tight or the purpose is vague, the honest answer is often a smaller release or none at all, and we will tell you that before any application goes in. The mechanics are covered in our cash-out refinance guide and the broader refinance hub.
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Check Your Eligibility in 60 Seconds Call John on 02 8046 3933General information only, not credit advice or an offer of credit. Past outcomes are not a guarantee of future results; whether refinancing leaves you better off depends on your loan, your circumstances and lender assessment. Consider your own situation and seek advice before acting. Lend & Loan ACL 511092.