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We help make home loan refinancing easy.

While refinancing your mortgage may seem like a tough task, with the help of our team at 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, 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.

Loans for refinancing my home

We're recognised & awarded by the Australian financial industry. View all awards

Smart Booster Home Loan
  • 3.60%
    discount var rate p.a.~
  • 3.96%
    comparison rate p.a.*

Get our lowest rate ever with the option to add an offset sub-account.

Why refinance with


Low interest rates

We can offer rates much lower than some banks and lenders. Fewer overheads mean doing business costs less and those savings translate directly into lower interest rates and fees. Why not start saving thousands?


Australian based support team

We have an experienced, Australian based team. At every step of your refinance journey, you’ll talk to a real person from our friendly team of lending specialists who are here to help you settle as soon as possible so you can reduce your interest repayments and stop paying too much on your loan.


Flexible options

We offer great low rates on our fixed, variable and split home loans. We also offer discounts for large deposits or customers with owner occupied and investment properties. No matter what you’re looking for, has the right loan for you.


Award winning

We have many happy customers who are sick of their bank and refinance to us, but don’t just take our word for it. We’re also recognised by the experts. By keeping interest rates low and providing exceptional service, quick approvals and turnaround times, we keep on winning awards for our loans, year after year!


We deal with your existing lender

With a quick and easy refinance process at, we'll handle dealing with your old lender and do all the hard work for you, so you can stop paying higher interest rates in no time.


onTrack advantage

onTrack is our online app which allows you to complete your home loan application on your device from initial contact through to settlement and beyond. In onTrack you can complete your refinance application in your own time, as it suits you.

Common refinancing questions

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!
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 13 10 90 and they can complete your application for you.
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.
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.
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.
At, the only fees you’ll pay to refinance are a one-off $300 settlement fee plus a valuation fee, which for a standard property in a metropolitan area in a major city starts at $220.

Many other lenders may charge an application fee, exit fees, discharge fees, so it’s important to do your research before making your decision.
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 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
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 valuation fee, which for a standard property in a metropolitan area in a major city starts at $220.

Home loan repayment calculator

Use our home loan calculator to estimate what your monthly mortgage repayments could be. Whether you're refinancing or just wanting to understand how much you can afford, all you have to do is enter how the amount you would like to borrow, interest rate, home loan term, payment frequency, and repayment type (either principal & interest or interest-only).

Estimated savings from repayments graph

Your estimated repayments are


Calculator assumptions

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 you can have confidence in dealing with Australia's largest non-bank lender.


How much can I borrow?

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


Ready to apply or want pre-approval?

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

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
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Got a question? We can help


Chat online right now

Send us a message via Live Chat and we’ll get back to you instantly.


Talk to a lending specialist

Our experienced lending specialists can answer any questions you have on how to refinance and how we can help you to start saving.