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Refinance your home loan

Our online application makes refinancing quick and convenient. We can help you make the switch.
Multi-award winning
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Fixed Rate Loan (Special)

5.69
%
p.a
Rates from*
6.16
%
p.a
Comparison rate*
1 to 5 year fixed terms
Split with variable rate
Up to $10,000/yr extra repayment/year
90 day rate lock option available
No monthly or ongoing fees
Access your account via Smart Money app
Our Google Rating
4.5
451 reviews

Our home loan interest rates

Loan reasons
Loan type
Home Loan Interest Rate Comparison Rate Monthly Repayment Product Features Details

3 Year Fixed (Special)

Owner Occupied Principal & Interest Up to 90% LVR
5.69% p.a. 6.16% p.a.  $2,899
  • 3 year fixed term
  • 10% deposit minimum
  • 90 day rate lock option available
  • No monthly or ongoing fees
  • Up to $10,000 extra repayment/year
  • Split with variable rate
Do I Qualify?

Variable Home Loan

Owner Occupied Principal & Interest Up to 90% LVR
6.04% p.a. 6.06% p.a.  $3,011
  • Discounted home loan rate***
  • 10% deposit minimum
  • Offset sub-account available for +0.10%^
  • No monthly or ongoing fees
  • Free redraw on any additional repayments
  • Pay your bills via BPAY
Do I Qualify?

Green Home Loan

Owner Occupied Principal & Interest Up to 90% LVR
5.99% p.a. 6.51% p.a.  $2,995
  • Discounted 5yr green home loan rate~~
  • 10% deposit minimum
  • Offset sub-account available for +0.10%^
  • No monthly or ongoing fees
  • Free redraw on any additional repayments
  • Pay your bills via BPAY
Do I Qualify?
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

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Why refinance with loans.com.au?

Competitive rates

Being an online lender means fewer costs for us which means great rates for you.

Australian based

Rely on the support of our Australian-based team when you need to talk things through.

Flexible options

We have a full range of loan features with weekly, fortnightly or monthly repayment options.

Quick decision

Apply online or chat to one of our specialists for a quick decision and easy application.

Get ahead with the right home loan

Get a pre-approval decision quickly.

Our home loan application 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.

5
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!

6
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.

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!

Get ahead with the right home loan

Get a pre-approval decision quickly.

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