Stop paying the loyalty tax
Four rate rises in 2026 have pushed repayments up. Lenders often save their sharpest rates for new customers. We compare our panel, negotiate, and handle the switch for you.
Is this you?
- Your rate is 0.30% or more above what new customers get
- Your fixed rate ends in the next six months
- You want to renovate, invest or consolidate debts using equity
- You haven't reviewed your loan in over a year
What you should know
Refinance Savings Calculator
Compare your current rate with a new one, including switching costs, to see your monthly saving and how fast you'd break even.
Open calculatorFigures current as at October 2026. Scheme rules and caps change; we confirm them for your situation.
Our process
Free loan health check
Tell us your balance and rate. We compare against lenders on our panel.
Ask your bank first
We'll often get a retention offer from your current lender before you switch.
Switch if it's worth it
We handle the application, valuation and discharge paperwork.
Annual review
We check your rate every year so you never drift onto a bad deal again.
Frequently asked
How much does refinancing cost?
For a variable loan under 80% LVR, costs are often under $1,000, and some lenders offer cashback. Fixed loans may have break costs.
Can I refinance with less than 20% equity?
Usually, but LMI may apply again. We'll check if negotiating with your current lender is better.
Will refinancing hurt my credit score?
One well-planned application has a small, temporary effect. We assess first so you don't apply blind.
Related articles
When Is the Right Time to Refinance Your Home Loan?
Six signs it's time to refinance your home loan, from your fixed rate ending to a rate gap of 0.30% or more. Plus when refinancing isn't worth it.
How to Refinance Your Home Loan: A Step-by-Step Guide
How refinancing works in Australia from start to finish: comparing loans, documents, valuation, approval, discharge and settlement. Typical timelines included.
How Much Does It Cost to Refinance a Home Loan in Australia?
Discharge fees, government fees, break costs and LMI: here's what refinancing actually costs in Australia, and how to work out if it's still worth it.
Ready to see your options?
Two minutes online, then a real broker calls you. No credit check, no obligation.