u/Klutzy-Double-8754

I have two mortgages, primary abode mortgage is 18years remaining $200k @ 8.3%, offset credit about $15k, property value $1mil.

Investment mortgage vacant property 18years remaining $60k @ 9% property value $600k.

Bank holds the title (as collateral) of a house I own outright, value $200k.

Self employed (was a minimal income about $25kpa) but have chosen not to work for the past year and don't want to return to work for about another year as I'm pursuing hobbies and property maintenance/improvements.

Infuriated because the average mortgage rate in Australia now is only about 6% so I'm paying about $300/month more than I should be. Feels like I can't refinance because I have no income. Is there anything I can do ?? Thank you..