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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 AWARDS 2016

    Gateway Credit Union Variable Rate Home Loan (LVR<80%, Owner Occupier) (Premium Package)

    Gateway Credit Union Variable Rate Home Loan (LVR<80%, Owner Occupier) (Premium Package)

    • Ability to make unlimited bulk repayments without penalty
    • Offers borrowers up to three free splits
    • Access extra features such as multiple offset accounts

    variable rate

    3.85% p.a.

    comparison rate*

    4.16% p.a.

    Upfront fees

    $0

    Go to site

    More info

    • Ability to make unlimited bulk repayments without penalty
    • Offers borrowers up to three free splits
    • Access extra features such as multiple offset accounts
    • Ongoing fees: $299.00 yearly
    • Discharge fee: $300.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: yes - free
    • Variable rate: 3.85% p.a.
    • Comparison rate*: 4.16% p.a.
    • Upfront fees: $0
    • Maximum loan to value ratio: 80.00%
    • 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

    8.6

    Based on 8 Gateway Credit Union home loan reviews

    Need more information?
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  • MOZO EXPERTS CHOICE AWARDS 2016

    Bank Australia Basic Home Loan - (LVR<80%, Owner Occupier)

    Bank Australia Basic Home Loan - (LVR<80%, Owner Occupier)

    • Option to fix full loan or split between fixed and variable
    • Redraw available. Flexible repayments
    • Loan repayment pause available

    variable rate

    3.86% p.a.

    comparison rate*

    3.90% p.a.

    Upfront fees

    $595

    Go to site

    More info

    • Option to fix full loan or split between fixed and variable
    • Redraw available. Flexible repayments
    • Loan repayment pause available
    • Ongoing fees: $0.00
    • Discharge fee: $250.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: no
    • Variable rate: 3.86% p.a.
    • Comparison rate*: 3.90% p.a.
    • Upfront fees: $595
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $10,000
    • Maximum loan amount:
    • Type of loan: Variable
    • Repayment types: Principal & Interest, Interest Only
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    7.7

    Based on 35 Bank Australia home loan reviews

    Need more information?
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    More info

  • Hunter United A Breath of Fresh Air Home Loan (Owner Occupied, LVR<90%)

    Hunter United A Breath of Fresh Air Home Loan (Owner Occupied, LVR<90%)

    • $0 application & $0 valuation fees for loans over $300k. Limited time offer
    • 100% offset facility & 1 free redraw per month
    • Get a more personal banking experience

    variable rate

    3.87% p.a.

    comparison rate*

    3.97% p.a.

    Upfront fees

    $0

    Go to site

    More info

    • $0 application & $0 valuation fees for loans over $300k. Limited time offer
    • 100% offset facility & 1 free redraw per month
    • Get a more personal banking experience
    • 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: 3.87% p.a.
    • Comparison rate*: 3.97% 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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    More info

  • MOZO EXPERTS CHOICE AWARDS 2016

    Newcastle Permanent Discounted Variable Home Loan (Owner Occupier, Principal & Interest) (Premium Plus Package)

    Newcastle Permanent Discounted Variable Home Loan (Owner Occupier, Principal & Interest) (Premium Plus Package)

    • Experts Choice - Home Lender of the Year 2016
    • $0 application fee. 100% offset facility available
    • Additional repayments and redraws at any time

    variable rate

    3.94% p.a.

    comparison rate*

    4.32% p.a.

    Upfront fees

    $0

    Go to site

    More info

    • Experts Choice - Home Lender of the Year 2016
    • $0 application fee. 100% offset facility available
    • Additional repayments and redraws at any time
    • Ongoing fees: $395.00 yearly
    • Discharge fee:
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: yes
    • Variable rate: 3.94% p.a.
    • Comparison rate*: 4.32% p.a.
    • Upfront fees: $0
    • Maximum loan to value ratio: 95.00%
    • 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

    8.5

    Based on 80 Newcastle Permanent home loan reviews

    Need more information?
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    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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