Learn:Refinancing a home
When should you switch home loans?
There are many reasons why you may want to switch your home loan. We’ll discuss how to transfer your home loan and the cost of switching home loans.
14 Sep 2026
What you will need to refinance your home loan
Whether you're upgrading to a roomier home or have found a cheap home loan interest rate from another provider, refinancing your home loan could be on your horizon.
07 Sep 2026
How long does refinancing take?
We explore the step by step process of refinancing, the average time frame you can expect, and the documents you’ll need handy when you decide to refinance your home loan.
11 Jun 2026
What is a home loan top up?
If you own a home, and have been chipping away at your home loan repayments, you might be considering renovating, going on a holiday or buying a car. A home loan top up allows you to borrow more money to fund another goal.
11 Jun 2026
Pros & cons of refinancing
Refinancing your home loan may seem like a daunting prospect, but doing so could save you thousands on your home loan.
01 Jun 2026
How can I reduce the interest on my mortgage?
The size of Australian home loans has been growing for some time, which is why it's so important to think carefully about repaying what you owe sooner rather than later.
29 May 2026
Is it really worth it to refinance your home loan?
loans.com.au explains what refinancing is, its benefits, and why it's worthwhile.
12 May 2026
Understanding home loan break fees
Thinking about switching or paying out your fixed rate home loan early? This guide explains break costs, common triggers, calculation methods, and how to minimise fees.
27 Jan 2026
Have you had a home loan health check?
Make sure your mortgage still works for you. Compare rates, features, and fees with a simple home loan health check.
01 Dec 2025
Home equity calculator
Use our equity calculator below to estimate how much equity you are able to access.
Interest-only mortgage calculator
Offset calculator
Use this calculator to estimate how much sooner you could pay off your loan, and how much interest could you save on your loan over time by using an offset sub-account.
Refinance calculator
Paying too much interest on your home loan? Use our refinance calculator as a general guide to find out how much you could save by switching to loans.com.au
Split loan calculator
This calculator lets you experiment how splitting a home loan between the certainty of a fixed rate and flexibility of a variable rate can best work for you.
Steven
Meet Steven, a Hervey Bay-based charter pilot and long-term loans.com.au customer who has used home loans to support his property goals for more than a decade.
08 Sep 2026
Rory
Meet Rory, an awesome customer of ours who came to us when he wanted to refinance his home.
14 May 2026
Claire
Meet Claire, an awesome customer of ours who came to us when she wanted to refinance her home loan and later purchase an investment property.
14 May 2026
Loraine
Meet Loraine, an existing customer who turned to loans.com.au to refinance her mortgage and bring her dream renovation to life - all while simplifying her finances by paying out her car loan in the process.
01 Apr 2026
Lucy
Meet Lucy, a young professional who turned to loans.com.au to buy her first home and came back again when it was time for her next property move.
12 Nov 2025
Karl
Meet Karl, an awesome customer of ours who came to us when he wanted to refinance his home loan and upgrade his solar power system.
12 Nov 2025
April
Meet April, a nurse and single mum from Rockhampton, who turned to loans.com.au to refinance her home loan and grow her property portfolio.
29 Oct 2025
Sarah
Meet Sarah, an experienced finance professional who turned to us when she wanted a simple and flexible refinancing solution to support upgrades on her hobby farm.
23 Jun 2025
Bradley
Meet Bradley, an amazing customer of ours who came to us when he wanted to refinance a complex home loan and kickstart his property investment journey.
23 Jun 2025