It makes a big difference to your interest payments. Say you had a $600,000 home loan with a loan term of 20 years. The difference of having an interest rate of 2.5% instead of 3% is: $149 in monthly repayments savings and $35,561 in interest savings over the life of your loan. You can estimate your monthly repayments on a Tic:Toc home loan, and total interest charged with a repayments calculator.
Home Loan Guide