Refinance Special

Variable rate 2.49% p.a.   Comparison rate 2.51% p.a*

upto $2,000.00 Cash Back*

Get a great refinancing deal

What Exactly is Refinancing?

Referred by some as ‘loan switching’, refinancing is basically a process of paying out your current home loan by taking out a new loan. This can be done with a new loan from your existing lender or through a different lender.

Every year, thousands of Australians refinance their home loans. Home loan refinancing can help you to:

  • Get a lower interest rate, so you can pay off your loan faster
  • Make your loan repayments more affordable
  • Consolidate all your high-interest debts to make them easier to manage
  • Afford home renovations
  • Buy an investment property or other asset using the equity you’ve built up in your home
  • Switch from a variable interest rate to a fixed rate, or vice versa.
  • Get access to additional loan features, such as redraw facilities or offset accounts.


  • Comparison Rate: The comparison rate is based on a loan of $150,000 over a term of 25 years. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate
  • Subject to Lender’s lending criteria
  • Principle and Interest repayment and loans up to 80% LVR for owner-occupied properties only
  • Minimum loan amount $350,000.00
  • $2000.00 cashback is available for new refinance principal and interest applications submitted by  31 July 2020 and settled by 18 September 2020


  • Flexible repayments and extra repayments to pay off the loan sooner
  • Repayment holiday to take a break from repayments
  • Offset account to reduce your monthly interest and repayments
  • Flexible repayments and extra repayments to pay off the loan sooner


  • Exit Fees
  • Borrowing costs
  • Lenders Mortgage Insurance (LMI)
  • Stamp Duty
  • Mortgage Registration Fee

Process of Refinancing

01. Research

02. Consider your reasons

03. Pick the Right Loan

04. Submit the Application

05. Valuation

06. Finance Approval

07. Arranging Settlement

Product Review