I'm about 6 months into my first owner occupied home loan with a non bank and the interest has already raised from 3.84% to 3.93%. If it wasn't for free 100% offset account, I would be very very tempted to refinance due to lower rates elsewhere with a bank. But then I'd have to pay for loan discharge, loan establishment and other loan fees again. In addition, not sure if the fees (Inc offset and any annual fees) are worth the maybe 0.3-0.4% discount.
So, for the people who have a home loan, how often do you refinance and what makes you move?