Making Room for Baby (and Your Budget): Why Now’s the Perfect Time to Refinance

Preparing to welcome a baby is exciting — but it’s also a time when your household finances can shift dramatically. With one partner taking parental leave, nursery purchases piling up, and medical or childcare costs on the horizon, it’s easy to feel the pressure on your budget.

That’s why more expecting parents are exploring home loan refinancing during pregnancy — to reduce repayments, release equity and create a financial buffer for the months ahead.

Refinance to Free Up Cash Flow

If your current mortgage rate hasn’t been reviewed in a while, there’s a good chance you could be paying more than you need to. Refinancing your home loan can:
- Lower your monthly repayments
- Simplify multiple debts into one manageable payment
- Free up extra cash for baby essentials or living expenses

Take Sarah and Ben for example — a couple who refinanced before their first baby arrived. By switching to a sharper rate, they saved $380 a month, which now helps cover groceries and childcare costs. Small change, big impact!

Download a free guide here or contact BLVD Finance here for a free consultation.