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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

  • MOZO EXPERTS CHOICE 2017
    promoted

    Essentials Variable 80

    Owner Occupier, Principal & Interest

    • A super-low rate available to purchases & refinance
    • No monthly fees, Redraw facility with no minimum
    • Split loan facility – up to five free splits with fixed rate or identical variable loan product

    variable
    rate

    3.64% p.a.

    comparison
    rate*

    3.66% p.a.

    upfront
    fees

    $520

    initial monthly
    repayment**

  • MOZO EXPERTS CHOICE 2017
    promoted

    Discounted Variable Home Loan Premium Plus Package

    Owner Occupier, Principal & Interest

    • 100% Offset Facility
    • $0 application fee for Personal and Car Loans
    • Additional repayments and redraws at any time

    variable
    rate

    3.64% p.a.

    comparison
    rate*

    4.03% p.a.

    upfront
    fees

    $0

    initial monthly
    repayment**

  • promoted

    Discounted Home Value Loan

    Owner Occupier, Principal & Interest

    • Owner occupier only
    • Available to new borrowings to HSBC of $50,000 or more
    • Your own Personal Relationship Manager

    variable
    rate

    3.65% p.a.

    comparison
    rate*

    3.66% p.a.

    upfront
    fees

    $0

    initial monthly
    repayment**

  • promoted

    The Online Home Loan

    LVR<80%, Owner Occupier

    • Upfront Rates Tailored to you
    • No ongoing fees
    • Easy online application

    variable
    rate

    3.64% p.a.

    comparison
    rate*

    3.64% p.a.

    upfront
    fees

    $363

    initial monthly
    repayment**

  • promoted

    Low Rate Home Loan with Offset

    LVR<80%, Owner Occupier, Principal & Interest

    • $0 Application Fee, Free Redraws, Extra Repayments
    • P&I or Interest Only Up to 5yrs
    • Free 100% Offset Account

    variable
    rate

    3.69% p.a.

    comparison
    rate*

    3.72% p.a.

    upfront
    fees

    $286

    initial monthly
    repayment**

  • Featured product

    Featured product

    promoted

    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

    initial monthly
    repayment**

  • promoted

    Advance Variable Home Loan

    Owner Occupier, Principal & Interest

    • Offset your interest to save
    • Free redraw facility for easy access to additional payments
    • No monthly or application fees

    variable
    rate

    3.74% p.a.

    comparison
    rate*

    3.75% p.a.

    upfront
    fees

    $195

    initial monthly
    repayment**

  • promoted

    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

    3.83% p.a.

    comparison
    rate*

    3.83% p.a.

    upfront
    fees

    $0

    initial monthly
    repayment**

  • MOZO EXPERTS CHOICE 2017
    promoted

    Platinum Home Loan

    Owner Occupied, LVR<90%

    • Join the Big Bank Rebellion and pay NO application or valuation fees
    • Only 10% deposit required, 100% offset & redraw facilities
    • Award winning, customer owned banking

    variable
    rate

    3.87% p.a.

    comparison
    rate*

    3.97% p.a.

    upfront
    fees

    $0

    initial monthly
    repayment**

  • promoted

    Orange Advantage Package

    LVR >90%, Owner Occupier, Principal & Interest

    • 100% offset facility
    • No application fees
    • Request pre-approval today

    variable
    rate

    4.75% p.a.

    comparison
    rate*

    5.05% p.a.

    upfront
    fees

    $299

    initial monthly
    repayment**

Want more? Compare all 515 home loans in the Mozo comparison engine.

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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.

**Monthly repayment figures are estimates only, based on the advertised rate, loan amount and term entered. Fees are included in the representative example but not the monthly repayment. Rates, fees and charges and therefore the total cost of the loan may vary depending on your loan amount, loan term, and credit history. Actual repayments will depend on your individual circumstances and interest rate changes.

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