Refinance your home loan
Fixed Rate Loan (Special)
If you are looking to refinance, you can chat through the process with one of our Australian based home lending specialists and we can explain how it works.
Get a quick decision with a simple paperless online application.
Our home loan interest rates
Home Loan | Interest Rate | Comparison Rate | Monthly Repayment | Product Features | Details |
---|---|---|---|---|---|
3 Year Fixed (Special)Owner Occupied • Principal & Interest • Up to 90% LVRMost Popular
|
5.69% p.a. | 6.16% p.a. | $2,899 |
|
Do I Qualify? |
Variable Home LoanOwner Occupied • Principal & Interest • Up to 90% LVR |
6.04% p.a. | 6.06% p.a. | $3,011 |
|
Do I Qualify? |
Green Home LoanOwner Occupied • Principal & Interest • Up to 90% LVR |
5.99% p.a. | 6.51% p.a. | $2,995 |
|
Do I Qualify? |
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.
More calculator & tools
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.
As seen on...
"We found that loans.com.au still had a very competitive rate and we were happy with the service"
Laura
Home loan customers
Meet the team who’ll start saving you thousands
We have a friendly team of Australian-based lending experts here to help you from application to settlement, so you can get a better loan and start savings thousands.
Our home loan application process
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.
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.
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.
Signing document
Check onTrack to received your final approval, mortgage documents and loan agreement. You must sign these and return them in to onTrack.
Settlement
Your loan will settle and you’ll start saving with your new loan rate, and get your keys to your new dream home!
Access your account
Once settlement is complete, we will send your login credentials to start managing your payments in the Smart Money app.
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.
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.
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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.
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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.
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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.
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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!
Refinancing tips for investment properties
If you haven’t checked to see if your investment loan is still competitive, now is the time! Here are some things to consider when refinancing your investment property.
A step-by-step guide to the refinancing process
If you've been thinking of refinancing your home loan, but don't know where to start, here's a step-by-step guide to help you.
Guide to switching home loans
Find out how to refinance your home loan the quick and hassle-free way. Our guide contains our loan process, documents, pre-approval, tips and more.