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.-
3.60%
discount var rate p.a.~ -
3.96%
comparison rate p.a.*
Why refinance with loans.com.au?

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, loans.com.au 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 loans.com.au, 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
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.
- 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.
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'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.
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.
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.
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.
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