Refinancing homeloan - savings or no credit card debt

[MLR1901]

Shouldn't matter, as long as your actual home loan is less that it was when you got it. Otherwise you might be able to add some of your debts onto the loan - credit cards for example. The interest rate for them is high compared to home loan rate.
Major thing the lender should look at is the wages, and if you are not utilising more than 60% of wages to debt.
They should also have options for offsetting your mortgage if you have more than 10k in savings.
Good luck hope you get a great rate!