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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 Switch & Save Calculator to see how much you could save?

Home loan comparisons on Mozo - rates updated daily

  • Offer ends 30th Nov 2017
    MOZO EXPERTS CHOICE 2017
    promoted

    Essentials Variable 80 Refinance Special

    Owner Occupier, Principal & Interest

    • A super-low rate available to purchases and 20% minimum deposit required
    • 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

    3.54% p.a.

    comparison
    rate*

    3.56% p.a.

    upfront
    fees

    $520

    initial monthly
    repayment**

  • Offer ends 30th Nov 2017
    MOZO EXPERTS CHOICE 2017
    promoted

    Offset Variable 80 Refinance Special

    Owner Occupier, Principal & Interest

    • Fully-featured, low rate home loan for owner occupiers. Pay off your home loan faster and with less interest
    • Available for purchases- borrow up to 80% of the property value.
    • Offset redraw facility has no monthly fees, no setup costs, and unlimited access to your funds. Apply online

    variable
    rate

    3.62% p.a.

    comparison
    rate*

    3.64% p.a.

    upfront
    fees

    $520

    initial monthly
    repayment**

  • promoted

    The Online Home Loan

    LVR<70%, 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**

  • 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**

  • MOZO EXPERTS CHOICE 2017
    promoted

    Platinum Home Loan

    Intro Rate Special, Owner Occupied, LVR<90%

    • Forget traditional models! Get a more flexible home loan
    • Be approved in 24 hrs. Stay approved for 4 months
    • 10% deposit OK. 100% offset. No App & Val fees

    variable
    rate

    3.70% p.a.variable for 12 months and then 3.87% p.a.

    comparison
    rate*

    3.95% p.a.

    upfront
    fees

    $0

    initial monthly
    repayment**

  • Featured product

    Featured product

    MOZO EXPERTS CHOICE 2017
    promoted

    UHomeLoan - Value Offer

    Owner Occupier, Principal & Interest

    • $0 application fee for variable rate, $0 ongoing fees, $0 annual fees
    • 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

    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

    initial monthly
    repayment**

  • MOZO EXPERTS CHOICE 2017
    promoted

    OMG Home Loan

    Owner Occupier, Principal & Interest

    • Make it happen with Experts Choice Winner - Home Loan Credit Union of the Year 2017
    • Choose Principal and Interest or Interest Only options for your bcu OMG loan
    • With redraw facility available and easy pre-approval valid for 3 months, we will make it happen. Apply online now

    variable
    rate

    3.84% p.a.

    comparison
    rate*

    4.09% p.a.

    upfront
    fees

    $900

    initial monthly
    repayment**

  • promoted

    Essential Home Loan

    Owner Occupier, Principal & Interest

    • Experts Choice Winner - Home Loans 2017
    • Additional repayments anytime
    • Waived establishment & settlement fees

    variable
    rate

    3.96% p.a.

    comparison
    rate*

    3.98% p.a.

    upfront
    fees

    $295

    initial monthly
    repayment**

  • promoted

    Essentials Home Loan

    LVR<90%, Owner Occupier, Principal & Interest

    • Experts Choice Winner - Best Value Full Feature Home Loan
    • 100% offset account
    • No monthly, annual or establishment fees

    variable
    rate

    4.19% p.a.

    comparison
    rate*

    4.19% p.a.

    upfront
    fees

    $0

    initial monthly
    repayment**

Want more? Compare all 531 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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