Refinance your home loan
Unlock potential savings and flexibility for your home loan with our competitive rates when you refinance with us.
Multi-award winning
Variable Home Loan
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Discounted home loan rate***
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Offset sub-account available for +0.10%^
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No monthly or ongoing fees
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Fee Free redraw on any additional repayments
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Pay your bills via BPAY
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Access your account via Smart Money app

Our online application makes refinancing quick and convenient. We can help you make the switch.
If you are looking to refinance and have lots of questions, our team of Australian based home lending specialist are here to help you every step of the way.
Compare and apply for competitive home loan products and get a quick decision with a smile paperless online application.
Our home loans
Home Loan | Interest Rate | Comparison Rate | Monthly Repayment | Product Features | Details |
---|---|---|---|---|---|
Variable Home LoanOwner Occupied • Principal & Interest • Up to 90% LVRMost Popular
|
5.79% p.a. | 5.83% p.a. | $2,931 |
|
Do I Qualify? |
Green Home LoanOwner Occupied • Principal & Interest • Up to 90% LVR |
5.74% p.a. | 6.19% p.a. | $2,915 |
|
Do I Qualify? |
3 Year Fixed (Special)Owner Occupied • Principal & Interest • Up to 90% LVR |
5.69% p.a. | 5.95% p.a. | $2,899 |
|
Do I Qualify? |
Make the switch via loans.com.au
We’ve made refinancing simpler with onTrack – a system that fits your schedule. Upload documents, track progress, and manage your refinancing process at your convenience. Just log in anytime, anywhere

Quick and convenient

Easy document upload

Access anywhere, anytime via mobile or desktop.

Safe and secure
Home Loan eligibility
Your property report
Here’s what you’ll get in the loans.com.au free property report.
The report contains:
A list of the recent sales of properties similar to the one you are looking at.
A list of properties currently on the market, similar to the one you are looking at.
An estimation of the value of the property.
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.
“loans.com.au were very patient and professional.”
“Not only loans.com.au do the refinance without fuss, they also gave me a better rate!”
“loans.com.au was really, really helpful”
What other customers are saying
“Very good rates and good service„
“Friendly staff with a highly professional approach to the finance industry. I would highly recommend working with the team at loans.com.au. This is my third time using their services, and each experience has been smooth and reliable.„
“The staff were very helpful, making the process easy. I was slow at times to respond but they cheerfully dealt with this until I was approved. I am very impressed.„
“Sharon and Team at loans.com were amazing. She was happy to answer and explain all my questions thoroughly. Every interaction with Sharon and the Team was supportive, willing to listen and provide help when needed. Will definitely recommend Loans.com especially working with Sharon and Lee Li.„
“Straightforward, pleasant, very helpful staff.„
“Tannah was very helpful and understanding. It's been a very smooth process and great communication on their part!„
“Fabulous Team, thank you so much for a very smooth & successful application!„
“Friendly customer service. Smooth and fast process without any hassle. Had the loan settled within 2 days of providing necessary documents. A big thank you to Cherie and Rena for their kind and prompt assistance„
“Returning to loans.com.au for lowest interest rates and easy service.„
“Great people and great service. Went smoothly and swiftly„
“I had a fantastic experience with Loans.com.au. Their advisors were friendly, clear, and ensured my application was in top shape before submission, maximizing the chances of approval. I was thrilled that the entire process was completed in just one day, with settlement happening the very next day! Special thanks to Aichi and Liam for their outstanding support. Highly recommend!„
“Excellent communication that was timely and thoughtful. Thank you to Sharon for her help through this process.„
As seen on...
How to refinance with us
Switch to a loans.com.au home loan in 4 easy steps
Apply online
Simply complete your variable loan application online, Tell us about you and see how much you could borrow. Need help? You can chat with us to help you complete the application.
Speak to a specialist
You will then have a phone appointment with your home lending specialist to finalise your application and move things forward from the loan approval process through to settlement.
Fast track your loan with onTrack
- Gain 24/7 control of your application
- Get alerts straight to your phone
- Easy to download mobile app
Access at your fingertip
You now have access and complete clarity of your loan application on-the-go with onTrack mobile.
The easy to use mobile app will keep you up-to-date with the progress of your loan anytime, anywhere with alerts straight to your phone. It's now even easier to get your loan approved and settled fast, no matter where you are.
Settle
Your loan will settle, and you’ll enjoy your new loan rate.
onTrack
Fast track your loan with onTrack
- Gain 24/7 control of your application
- Get alerts straight to your phone
- Easy to download mobile app
Access at your fingertip
You now have access and complete clarity of your loan application on-the-go with onTrack mobile.
The easy to use mobile app will keep you up-to-date with the progress of your loan anytime, anywhere with alerts straight to your phone. It's now even easier to get your loan approved and settled fast, no matter where you are.
Repayment Type
Maximum LVR of 90%
Product | Interest rate from | Comparison rate |
---|---|---|
Variable Home Loan | 5.79% p.a.*** | 5.83% p.a.* |
3 Year Fixed (Special) | 5.69% p.a.*+ | 5.95% p.a.* |
Maximum LVR of 80%
Product | Interest rate from | Comparison rate |
---|---|---|
Variable Home Loan | 6.29% p.a.*** | 6.16% p.a.* |
3 Year Fixed | 6.39% p.a.*+ | 6.14% p.a.* |
Up to 30 years loan term | Yes |
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Available for refinance or purchase | Yes |
Unlimited additional repayments | Yes |
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Yes |
Application fee | $0 |
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Ongoing fees | $0 |
Security assessment fee | $230 |
Government fees | At cost |
Settlement fee | $300 |
Frequently asked questions
Have any questions on our variable rate loans? Ask us anything!
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.
Related content
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. For more information for documents required for refinancing:
What documents do I need to refinance my home loan?
You can get your dream home at a low rate because we don't have to pay for branches or broker commissions and have innovative technology processes, which means we pass our savings directly on to you.
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.
Related content
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 investment loan. For a list on exactly which documents you’ll need to apply for a refinance:
What documents do I need to refinance my home loan?
If you’re ready to refinance, simply fill out your application online by entering some of your details here
Alternatively, chat to one of our friendly lending specialists on 1300 908 671 and they can complete your application for you.
Related content
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.
Related content
You have the option to add a 100% offset sub-account to your variable home 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-sub account.
Related content
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.
Who is loans.com.au?
loans.com.au is a proudly Australian, award-winning online lender based in Brisbane. Since we were founded in 2011, we have grown to become an industry leader with thousands of happy customers in every state and territory. We are powered by the strength of Firstmac, Australia’s leading non-bank lender.

Konnie
Lending Specialist
Ready to talk with a real person about refinancing?
Get help from a friendly member of our Australian-based home lending team.