Compare Refinancing Home Loans

Compare today's lowest refinancing loan rates & repayments from 30+ banks and specialty lenders.

Switching your home loan, with the right help, can put you in a better financial position.
There's plenty of good reasons why borrowers look to refinance their existing home loan but sometimes it's hard to know if refinancing is worthwhile.

Fixed Rates Variable Rates Low Deposit Loans Offset + Redraw Loans Compare Big4 Banks Thumb anz logo 1 3 Thumb commonwealth bank logo 1 3 Thumb westpac logo 1 3 Thumb national australia bank logo 1 3 Thumb suncorp bank logo 1 3 Thumb st george logo 1 3 Thumb heritage bank limited logo 1 3 Thumb ing logo 1 3 Thumb citibank logo 1 3 Thumb bankwest logo 1 3 Thumb adelaide bank logo 1 3 Thumb me bank logo 1 3 Thumb amp limited logo 1 3 Thumb homeloans ltd logo 1 3 Thumb banksa logo 1 3 Thumb bank of melbourne logo 1 3

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Lender
Loan Details
Interest
Comparison
Repayments
  1. Back to Basics Variable Loan Better Together Bundle

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 90%
    • 3.71%
      p.a. variable
    • 3.71%
      p.a. Comparison
    • $1,792
      per month*
  2. Discount Variable Rate Special Rate

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 90%
    • 3.79%
      p.a. variable
    • 3.79%
      p.a. Comparison
    • $1,807
      per month*
  3. Firstmac Vital 80

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 80%
    • 3.79%
      p.a. variable
    • 3.82%
      p.a. Comparison
    • $1,807
      per month*
  4. Fixed 3 Year COMBO

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 80%
    • 3.74%
      p.a. fixed
    • 3.89%
      p.a. Comparison
    • $1,808
      per month*
  5. Homeloans Ultra Plus 80

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 80%
    • 3.74%
      p.a. variable
    • 3.80%
      p.a. Comparison
    • $1,808
      per month*
  6. NAB Home Plus Standard 2 Yr Fixed Rate

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 90%
    • 3.75%
      p.a. fixed
    • 4.32%
      p.a. Comparison
    • $1,809
      per month*
  7. Fixed 2 Year COMBO

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 80%
    • 3.75%
      p.a. fixed
    • 3.90%
      p.a. Comparison
    • $1,809
      per month*
  8. NAB Home Plus Standard 2 Yr Fixed Rate

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 95%
    • 3.75%
      p.a. fixed
    • 4.50%
      p.a. Comparison
    • $1,809
      per month*
  9. NAB Home Plus Standard 2 Yr Fixed Rate

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 80%
    • 3.75%
      p.a. fixed
    • 4.26%
      p.a. Comparison
    • $1,809
      per month*
  10. Home Package Plus SPECIAL 3 Years Fixed

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 90%
    • 3.64%
      p.a. fixed
    • 4.03%
      p.a. Comparison
    • $1,810
      per month*
  11. Home Package Plus SPECIAL 2 Years Fixed

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 90%
    • 3.64%
      p.a. fixed
    • 4.06%
      p.a. Comparison
    • $1,810
      per month*
  12. Orange Advantage

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 80%
    • 3.74%
      p.a. variable
    • 3.83%
      p.a. Comparison
    • $1,814
      per month*
  13. Homeloans Optima up to

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 80%
    • 3.83%
      p.a. variable
    • 3.83%
      p.a. Comparison
    • $1,815
      per month*
  14. Homeloans Ultra Plus Fixed 3 Year 50% Fixed

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 80%
    • 3.79%
      p.a. fixed
    • 3.81%
      p.a. Comparison
    • $1,817
      per month*
  15. Flexible Home Loan 2 Year Fixed 80%

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 80%
    • 3.84%
      p.a. fixed
    • 4.76%
      p.a. Comparison
    • $1,817
      per month*
  16. Flexible Home Loan 3 Year Fixed 80%

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 80%
    • 3.84%
      p.a. fixed
    • 4.68%
      p.a. Comparison
    • $1,817
      per month*
  17. Flexible Home Loan 3 Year Fixed 80%

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 95%
    • 3.84%
      p.a. fixed
    • 4.91%
      p.a. Comparison
    • $1,817
      per month*
  18. Flexible Home Loan 2 Year Fixed 80%

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 95%
    • 3.84%
      p.a. fixed
    • 5.01%
      p.a. Comparison
    • $1,817
      per month*
  19. 2 Year Fixed Rate

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 95%
    • 3.84%
      p.a. fixed
    • 4.87%
      p.a. Comparison
    • $1,822
      per month*
  20. Mortgage Simplifier

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 80%
    • 3.89%
      p.a. variable
    • 3.90%
      p.a. Comparison
    • $1,826
      per month*
  21. Homeloans FlexiChoice Prime Standard

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 80%
    • 3.89%
      p.a. variable
    • 3.90%
      p.a. Comparison
    • $1,826
      per month*
  22. Firstmac Construction 80

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 80%
    • 3.89%
      p.a. variable
    • 3.92%
      p.a. Comparison
    • $1,826
      per month*
  23. Fixed Rate Interest In Advance Loan 3 Yrs

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 80%
    • 3.89%
      p.a. fixed
    • 4.40%
      p.a. Comparison
    • $1,826
      per month*
  24. Basic Home Loan up to

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 80%
    • 3.89%
      p.a. variable
    • 3.89%
      p.a. Comparison
    • $1,826
      per month*
  25. Affinity Variable Rate Loan

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 90%
    • 3.89%
      p.a. variable
    • 3.91%
      p.a. Comparison
    • $1,826
      per month*

*Monthly Repayments

Monthly repayments are calculated to take into account the loan amount, repayment term and ongoing fees and charges over the life of the loan.

  • Variable rate loans show the monthly repayments at the current rate.
  • Fixed rate loans show the monthly repayment during the fixed period only.
  • Monthly repayment calculations are an approximate guide only. Speak to a LoanMarket Mortgage broker to understand the exact cost of a loan given your particular circumstances.

**Comparison Rates

A comparison rate is a tool to help consumers identify the true cost of a loan. It factors in the interest rate, loan amount, repayment term and ongoing fees and charges and displays this as a single percentage rate that can be used to compare various loans from different lenders.

Monthly Repayment and Comparison Rate* calculations do not include:

  • The use of account features such as early repayments and offset accounts which vary widely among loans and can reduce the cost of a loan significantly.
  • Cost savings such as fee waivers or special rate discounts.
  • Fees and charges associated with loan options or events that may or may not be used by the borrower, such as early repayment or redraw fees
  • Lenders Mortgage Insurance (LMI) which may be required to secure the loan and can increase the cost of the loan.
  • Government charges such as stamp duty or mortgage registration fees.
  • Fees and charges which aren’t available at the time the comparison rate is provided