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Our home loans

  • Discounted home loan rate
  • Offset sub-account available for +0.10%^
  • 10% deposit minimum
Rates from***
6.04
%
p.a.
Comparison Rate*
6.06
%
p.a.
Monthly repayment#
$3,011
Rates from***
6.04
%
p.a.
Comparison Rate*
6.06
%
p.a.
Monthly repayment#
$3,011

Monthly repayment#
$3,011
  • Discounted green home loan rate
  • Offset sub-account available for +0.10%^
  • 10% deposit minimum
Rates from~~
5.99
%
p.a.
Comparison Rate*
6.51
%
p.a.
Monthly repayment#
$2,995
Rates from~~
5.99
%
p.a.
Comparison Rate*
6.51
%
p.a.
Monthly repayment#
$2,995

Monthly repayment#
$2,995
  • Discounted solar home loan rate
  • Offset sub-account available for +0.10%^
  • 10% deposit minimum
Rates from~~~
5.99
%
p.a.
Comparison Rate*
6.51
%
p.a.
Monthly repayment#
$2,995
Rates from~~~
5.99
%
p.a.
Comparison Rate*
6.51
%
p.a.
Monthly repayment#
$2,995

Monthly repayment#
$2,995
  • $5,000 interest free Visa debit card
  • Unlimited free redraw
  • 20% deposit minimum
Rates from*
6.44
%
p.a.
Comparison Rate*
6.46
%
p.a.
Monthly repayment#
$3,141
Rates from*
6.44
%
p.a.
Comparison Rate*
6.46
%
p.a.
Monthly repayment#
$3,141

Monthly repayment#
$3,141
#Based on the dollar value represented in the search fields with P&I repayments and a 30 year loan term.
2024 WeMoney - Best Value for Refinance 2023 WeMoney - Best for Value (Variable) 2024 Mozo - Expert's Choice for Best Green Home Loan Gold Award - Best Green Home Loan 2022 WeMoney - Outstanding Customer Service
Our home loan products are recognised & awarded by the Australian financial industry

We help make home loan refinancing easy.

While refinancing your mortgage may seem like a tough task, with the help of our team at loans.com.au it doesn’t have to be.

Refinancing is the process of moving your home loan to a different lender or a different loan that better suits you. There are a number of reasons for doing this, but the number one reason is to save money on your loan.

At loans.com.au, refinancing is as simple as applying online in under 2 minutes, chatting to a lending specialist then uploading your documents in the onTrack app. After this, you’ll sign your loan documentation, we’ll pay your existing lender then you’ll settle!

If the refinancing process is new to you, there’s always someone you can chat to via 13 10 90, or on onTrack, or on LiveChat. Or, you can manage the entire application yourself through the onTrack app.

Whatever suits you most, we’re here to help as little or as much as you need.

Smart friends

Real Good Rewards

As a loans.com.au customer, if you refer a new customer to us we’ll reward you.

$1,000 New Home Loan Customer
$250 New Car Loan Customer
Learn more

Why refinance with loans.com.au?

Low interest rates

Being an online lender with fewer overheads means we’re able to pass on the savings to our customers.

Australian based

Get help when you need it from our friendly team of Australian based, lending specialists.

Flexible options

Looking to save with an offset, or make extra repayments with a redraw? We have a full range of loan features to suit your situation.

Award winning

We keep on winning awards for our products, innovations and customer service, year after year!

Get started

Apply online or speak to one of our Australian based loan specialists who will take care of all the paperwork for you. Applying is easy and we can settle your loan quickly so you start saving sooner. With loans.com.au you can have confidence in dealing with Australia's largest non-bank lender.

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How much can I borrow?

It takes less than 3 minutes to calculate your borrowing power!

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Ready to apply or want pre-approval?

Give us a call on 13 10 90 or start an online application.

Refinance calculator

Want to know how much money you could save by refinancing? Use our home loan refinancing calculator to see how much you could save on interest and mortgage repayments by switching to loans.com.au. Simply enter your remaining loan amount, property value, current rate and loan term, and we’ll tell you how much you could be saving by switching to one of our low rate home loans.

%
years
Estimated savings from refinancing graph

You could save up to

$0

over the life of your loan if you switch to loans.com.au

Get a loans.com.au super low rate you’ll be celebrating for years!

6.04%
discount variable p.a.***
6.06%
comp rate p.a.*
Option to add an offset sub-account for 0.10%^
No monthly or ongoing fees
Unlimited redraws
FIND OUT MORE

Useful Resources

Guide to Refinancing

Most people have questions about the refinancing process, so we’ve created this guide to make things easier for you to understand and help you start saving sooner.

From information on how to apply for a loan to advice on pre-approval and renovations, you’ll find what you’re looking for in our guide. Plus, we’re available to help via Live Chat at most times of day.

How it works - Home Loans - Refinance
1:35

Common refinancing questions

There are many benefits to refinancing your home loan, such as:

  • Paying less interest over the life of the loan, saving you thousands.
  • Reducing your loan term by a matter of years
  • Accessing new features, like an offset sub-account to save on interest repayments and get Visa debit card, online & EFTPOS access to your money.
  • Accessing equity, which is the amount you’ve paid off on your current loan.

We can provide approval for applicants in as little as 2-3 days, pending the customer's individual circumstances and all correct documentation has been provided. It's important to note that this is not a 'one size fits all' number, and the approval time will depend on each individual applicant's circumstances.

We'd always advise our customers to have the right documentation ready at application stage, so you can move forward with your application as quickly as possible. 

You can get your dream home at a great low home loan rate because of our online model. We don't have to pay for branches or broker commissions, which means we are able to pass our savings directly on to you through low home loan rates and and no ongoing, annual or monthly fees.

From start to finish, refinancing a home loan process be can completed as quickly as a few days or take up to two months. The time it takes to refinance will vary for every homeowner and will depend on factors like the complexity of the loan and the specific lender.

Unlike many other lenders, we charge no monthly, annual or ongoing fees. The only fees you will pay on your home loan are a one-off $300 settlement fee plus a security assessment fee, which for a standard property in a metropolitan area in a major city starts at $230 for properties valued up to $1 million.

To refinance, you’ll need documents such as payslips, and details of your existing loan. For a comprehensive list of requirements read our guide on exactly which documents you’ll need to apply for a refinance.

If you’re ready to refinance, simply fill out your application online by entering some of your details in our home loan application form.

Alternatively, chat to one of our friendly lending specialists on 1300 471 806 and they can complete your application for you.

At loans.com.au, the only fees you will pay on your home loan are a one-off $300 settlement fee plus a security assessment fee, which for a standard property in a metropolitan area in a major city starts at $230.

Many other lenders may charge an application fee, exit fees, discharge fees, so it’s important to do your research before making your decision.

You have the option to add a 100% offset sub-account to your loan. Many people choose to do this to help pay their home loan faster and save thousands on interest payments. For an extra 0.10% to the loan, you can add a 100% offset sub-account with online, ATM, EFTPOS & Visa debit card access to your money, plus unlimited free redraws. find out more information on adding an offset to your home loan

You can refinance with the equity you have in your existing home. However, if the value has changed significantly you may need to provide deposit up to 10% of the property’s value.

Switching your loan over to us is simple and easy. Fill out your application online and have an appointment with one of our lending specialists to organise pre-approval of your loan. Check the onTrack app to receive your final approval, mortgage documents and loan agreement.

You must sign these and return them in to onTrack, which authorises us to deal directly with your existing lender.

From this point, you no longer need to pay your previous lender. We pay the loan out by estimating payout costs based on current balance, rate and repayments. Your loan will settle and you'll enjoy new low rates!

Our refinance process

1
Application

Application

Simply fill out your home loan application online by entering some of your details, or chat to one of our friendly lending specialists over the phone and they can complete your application for you.

2
onTrack

onTrack

After your application is complete, use our system we call onTrack on your desktop or device to add your documentation such as payslips and bank statements, and track the progress of your application.

3
Speak to specialist

Speak to specialist

You will then have an appointment with one of our lending specialists to organise your preliminary approval of your loan, and help you progress through the home loan approval process through to settlement as quickly as possible.

4
Signing document

Signing document

Check onTrack to received your final approval, mortgage documents and loan agreement. You must sign these and return them in to onTrack, which authorises us to deal directly with your existing lender.

5
We pay your existing lender

We pay your existing lender

From this point, you no longer pay your old lender interest, even if they drag their heels on discharging the loan. We pay the loan out by estimating payout costs based on current balance, rate and repayments.

6
Settlement

Settlement

Your loan will settle and you’ll start saving with your new loan rate, and get your keys to your new dream home!

7
Access your  account

Access your account

Once settlement is complete, we will send your login credentials to start managing your payments in the Smart Money app.

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