Why refinancing for a home loan top-up isn't always your best option

Any property investor who has refinanced their home loan will agree that it’s a painful process. So painful that it only makes sense to do it if the numbers really stack in your favour.  

If you refinance your home loan to get a better deal, you’ll most likely be comparing interest rates to save money in the long term.  

But if you’re a property investor refinancing to increase (or top-up) your home loan, this isn’t necessarily going to be your…