---
title: 50 Feeling Cost Pressures From Fuel and Interest Rates? 5 Reasons to Consider Refinancing Your Mortgage
description: "This week’s episode is a special one, I am so excited that this is episode 50! How the has flown, especially when I think back to my first recording in June last year and how far the podcast has come since then.\n\nIn our conversation for this episode, we focus on the cost of living pressure many households are feeling from multiple angles. Fuel prices have surged, with petrol sitting around $2.50 - $3.50 per litre and pushing even higher in some areas, driven by global supply disruptions and rising oil prices. At the same time, interest rates have continued to rise, with the Reserve Bank of Australia lifting the cash rate multiple times in recent months and the possibility of further increases still on the table."
image: https://www.hermoneymatters.com.au/hubfs/2025_06_Her_Money_Matters_Podcast_Artworkaiz4d_300x300.jpg
---
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Apr 20, 2026, 12:00:00 AM
# 50 Feeling Cost Pressures From Fuel and Interest Rates? 5 Reasons to Consider Refinancing Your Mortgage
 [Naomi Holmes](https://www.hermoneymatters.com.au/blog/author/naomi-holmes)
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This week’s episode is a special one, I am so excited that this is episode 50! How the has flown, especially when I think back to my first recording in June last year and how far the podcast has come since then.
In our conversation for this episode, we focus on the cost of living pressure many households are feeling from multiple angles. Fuel prices have surged, with petrol sitting around $2.50 - $3.50 per litre and pushing even higher in some areas, driven by global supply disruptions and rising oil prices. At the same time, interest rates have continued to rise, with the Reserve Bank of Australia lifting the cash rate multiple times in recent months and the possibility of further increases still on the table.
For homeowners, this is having a very real impact. Higher borrowing costs, rising everyday expenses, and tighter cashflow are becoming part of the day to day reality for many Australians.
In this episode, I sit down with Sharon Bae, Founder of Artemis Finance, to unpack what is happening in the lending market right now: and more importantly, the five key reasons you may want to consider refinancing your mortgage.
## In this episode, we cover:
- What is driving interest rates and cost of living pressures right now
- How lenders price loans and why loyalty doesn’t always pay
- What happens when fixed rates expire and repayments jump
- How increased equity can unlock better loan options
- When your current loan no longer suits your life
- Using refinancing to simplify and reduce high interest debt
## A Loving Kick Up the Bum
When costs are rising around you, it is easy to absorb it and move on. But your mortgage is one area where a small change can make a meaningful difference. Take the time to review it, ask questions, and explore your options — because the impact can be far bigger than you think.
If this conversation has led you to consider whether refinancing could work in your situation, you can reach out to Sharon Bae via email at Artemis Finance: sharon@artemisfinance.com.au, or via the website: [https://artemisfinance.com.au/](https://artemisfinance.com.au/)
[podcast](https://www.hermoneymatters.com.au/blog/tag/podcast)
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Apr 6, 2026, 12:00:00 AM
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The information on this website is of a general nature and does not consider your personal objectives, financial situation, or needs. Before acting on any information, you should assess its appropriateness to your circumstances and consider seeking professional advice. If you choose to acquire a financial product, you should obtain and read the relevant Product Disclosure Statement (PDS) before making any decision
Naomi Holmes is a Corporate Authorised Representative of Alethia Partners Pty Ltd (ABN 98 676 423 117), which holds Australian Financial Services Licence (AFSL) No. 557729.
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