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Refinance home loans

  • You could save thousands by refinancing your home loan. Many banks and online home loan lender's most competitive rates are available for refinancing. Check out the table below for some of the current refinance deals on the market.

  • What does LVR mean?

    LVR is short for loan to value ratio. This is the amount of money you can borrow, relative to the value your property. Most home loans that are available for refinancing will require you to have a LVR of 80% or below.

  • Is refinancing my home loan worth it?

    It is always a good idea to review your home loan every few years to make sure you're still getting the best deal. The home loans market has become very competitive in the past few years and by switching loans and refinancing you could save as much as $35,000 or more. Try our health check tool to see how much you could save?

Home loan comparisons on Mozo Rates updated daily

  • Click Loans The Online Home Loan (LVR<80%, Owner Occupier)

    Click Loans The Online Home Loan (LVR<80%, Owner Occupier)

    • Free offset account
    • No ongoing fees
    • Easy online application

    variable rate

    3.69% p.a.

    comparison rate*

    3.69% p.a.

    Upfront fees

    $440

    Go to site

    More info

    • Free offset account
    • No ongoing fees
    • Easy online application
    • Ongoing fees: $0.00
    • Discharge fee: $250.00
    • Extra repayments: yes - free up to $10,000 p.a.
    • Redraw facility: yes - free
    • Offset account: yes
    • Variable rate: 3.69% p.a.
    • Comparison rate*: 3.69% p.a.
    • Upfront fees: $440
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $150,000
    • Maximum loan amount: $2,000,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest, Interest Only
    • Availability: Owner Occupier
    • Repayment options: Fortnightly, Monthly
    Need more information?
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  • Beyond Bank Low Rate Special Variable Home Loan (Owner Occupier, LVR<70%)

    Beyond Bank Low Rate Special Variable Home Loan (Owner Occupier, LVR<70%)

    • Free redraw and unlimited repayments
    • 100% mortgage offset account
    • No upfront or ongoing fees

    variable rate

    3.73% p.a.

    comparison rate*

    3.73% p.a.

    Upfront fees

    $0

    Go to site

    More info

    • Free redraw and unlimited repayments
    • 100% mortgage offset account
    • No upfront or ongoing fees
    • Ongoing fees: $0.00
    • Discharge fee: $295.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: yes
    • Variable rate: 3.73% p.a.
    • Comparison rate*: 3.73% p.a.
    • Upfront fees: $0
    • Maximum loan to value ratio: 70.00%
    • Minimum loan amount: $150,000
    • Maximum loan amount:
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    8.5

    Based on 27 Beyond Bank home loan reviews

    Need more information?
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  • MOZO EXPERTS CHOICE AWARDS 2016

    UBank UHomeLoan - Value Offer (Owner Occupier, Principal & Interest)

    UBank UHomeLoan - Value Offer (Owner Occupier, Principal & Interest)

    • Experts Choice Winner - Home Loans 2016
    • No monthly fees
    • 20% minimum deposit required

    variable rate

    3.74% p.a.

    comparison rate*

    3.74% p.a.

    Upfront fees

    $0

    Go to site

    More info

    • Experts Choice Winner - Home Loans 2016
    • No monthly fees
    • 20% minimum deposit required
    • Ongoing fees: $0.00
    • Discharge fee: $0.00
    • Extra repayments: yes - free
    • Redraw facility: yes
    • Offset account: no
    • Variable rate: 3.74% p.a.
    • Comparison rate*: 3.74% p.a.
    • Upfront fees: $0
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $100,000
    • Maximum loan amount: $2,000,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    4.8

    Based on 56 UBank home loan reviews

    Need more information?
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  • Liberty Sharp Home Loan (LVR<70%, Owner Occupier)

    Liberty Sharp Home Loan (LVR<70%, Owner Occupier)

    • Great low rate
    • No on-going fees
    • Set and forget

    variable rate

    3.79% p.a.

    comparison rate*

    3.86% p.a.

    Upfront fees

    $995

    Go to site

    More info

    • Great low rate
    • No on-going fees
    • Set and forget
    • Ongoing fees: $0.00
    • Discharge fee: $395.00
    • Extra repayments: yes - free
    • Redraw facility: yes - fees apply
    • Offset account: No
    • Variable rate: 3.79% p.a.
    • Comparison rate*: 3.86% p.a.
    • Upfront fees: $995
    • Maximum loan to value ratio: 70.00%
    • Minimum loan amount: $100,000
    • Maximum loan amount: $500,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    2.5

    Based on 21 Liberty home loan reviews

    Need more information?
    Go to site

    More info

  • Hunter United Get A Better Home Loan - Refinance (Owner Occupied, LVR<90%)

    Hunter United Get A Better Home Loan - Refinance (Owner Occupied, LVR<90%)

    • $0 application fee & $0 valuation fee – for a limited time only.
    • 100% daily interest offset facility
    • Only 10% deposit required for owner occupiers

    variable rate

    3.79% p.a.

    comparison rate*

    3.89% p.a.

    Upfront fees

    $0

    Go to site

    More info

    • $0 application fee & $0 valuation fee – for a limited time only.
    • 100% daily interest offset facility
    • Only 10% deposit required for owner occupiers
    • Ongoing fees: $8.00 monthly
    • Discharge fee: $80.00
    • Extra repayments: yes
    • Redraw facility: yes - 1st redraw per month free
    • Offset account: yes
    • Variable rate: 3.79% p.a.
    • Comparison rate*: 3.89% p.a.
    • Upfront fees: $0
    • Maximum loan to value ratio: 90.00%
    • Minimum loan amount: $300,000
    • Maximum loan amount:
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    9.7

    Based on 3 Hunter United home loan reviews

    Need more information?
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  • MOZO EXPERTS CHOICE AWARDS 2016

    Greater Bank Discount Great Rate Home Loan (Owner Occupier, LVR<85%, over $150k)

    Greater Bank Discount Great Rate Home Loan (Owner Occupier, LVR<85%, over $150k)

    • Experts Choice Winner 2016
    • No ongoing fee. No establishment fee. Free internet redraw facility
    • NSW, QLD, ACT customers only

    variable rate

    3.89% p.a.

    comparison rate*

    3.89% p.a.

    Upfront fees

    $0

    Go to site

    More info

    • Experts Choice Winner 2016
    • No ongoing fee. No establishment fee. Free internet redraw facility
    • NSW, QLD, ACT customers only
    • Ongoing fees: $0.00
    • Discharge fee: $300.00
    • Extra repayments: yes - free
    • Redraw facility: yes
    • Offset account: no
    • Variable rate: 3.89% p.a.
    • Comparison rate*: 3.89% p.a.
    • Upfront fees: $0
    • Maximum loan to value ratio: 85.00%
    • Minimum loan amount: $150,000
    • Maximum loan amount:
    • Type of loan: Variable
    • Repayment types: Principal & Interest, Interest Only
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    8.6

    Based on 62 Greater Bank home loan reviews

    Need more information?
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    More info

  • MOZO EXPERTS CHOICE AWARDS 2016

    AMP Essential Home Loan (Owner Occupier)

    AMP Essential Home Loan (Owner Occupier)

    • Experts Choice Winner - Home Loans 2016
    • Additional repayments anytime
    • Waived establishment & settlement fees

    variable rate

    3.98% p.a.

    comparison rate*

    4.00% p.a.

    Upfront fees

    $295

    Go to site

    More info

    • Experts Choice Winner - Home Loans 2016
    • Additional repayments anytime
    • Waived establishment & settlement fees
    • Ongoing fees: $0.00
    • Discharge fee: $100.00
    • Extra repayments: yes - free
    • Redraw facility: yes
    • Offset account: no
    • Variable rate: 3.98% p.a.
    • Comparison rate*: 4.00% p.a.
    • Upfront fees: $295
    • Maximum loan to value ratio: 90.00%
    • Minimum loan amount: $40,000
    • Maximum loan amount: $499,999
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    6.3

    Based on 51 AMP home loan reviews

    Need more information?
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    More info

  • Liberty Sharp Home Loan (LVR 70-80%, Owner Occupier)

    Liberty Sharp Home Loan (LVR 70-80%, Owner Occupier)

    • Great low rate
    • No on-going fees
    • Set and forget

    variable rate

    4.14% p.a.

    comparison rate*

    4.21% p.a.

    Upfront fees

    $995

    Go to site

    More info

    • Great low rate
    • No on-going fees
    • Set and forget
    • Ongoing fees: $0.00
    • Discharge fee: $395.00
    • Extra repayments: yes - free
    • Redraw facility: yes - fees apply
    • Offset account: No
    • Variable rate: 4.14% p.a.
    • Comparison rate*: 4.21% p.a.
    • Upfront fees: $995
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $100,000
    • Maximum loan amount: $500,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    2.5

    Based on 21 Liberty home loan reviews

    Need more information?
    Go to site

    More info

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* The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a home loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years, and applies only to this example. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

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