See if you could save

- Interest rates are at historic lows. It's an ideal time to shop around.
- Our free Home Loan Health Check compares hundreds of options with your current loan to see if you could save.
- If you choose to refinance we do all the paperwork and running around at no cost to you.


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Refinancing



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Does your home loan interest rate start with a 3? If you answered no, you might be paying too much. Snap a picture of your recent loan statement and we’ll help you determine if you’re still in the right product.

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Potential reasons to refinance

Get peace of mind

Fixing part - or all - of your loan, or securing a better rate to reduce your monthly repayments can help with peace of mind.

Consolidating other debts

Consolidating other debt, like credit cards or personal loans, could help you to reduce your interest rate on these loans.

Take advantage of different features

You may wish to switch to a loan with more suitable features such as a redraw facility or offset account.

Unlocking equity

Refinancing can help you unlock the equity in your home to finance a renovation, or free up some capital for property investment.


What is refinancing?

Refinancing refers to the process of paying out your current home loan by taking out a new loan, either with your existing lender or through a different lender.

You could get a lower interest rate and reduce your monthly repayments or you could fix your rate for a certain period, and have the security of fixed monthly repayments.

Our top five interest rates available


Lender
Interest
Rate
Comparison
Rate

Credit criteria, conditions, fees and charges apply. Subject to suitability. The comparison rates in this table are based on a loan amount of $150,000 and a term of 25 years. Warning: This Comparison Rate applies only to the example or examples given. Different amounts and terms will result in different Comparison Rates. Costs such as redraw fees or early repayment fees, and costs savings such as fee waivers, are not included in the Comparison Rate but may influence the cost of the loan.

Lender
Interest
Rate
Comparison
Rate

Credit criteria, conditions, fees and charges apply. Subject to suitability. The comparison rates in this table are based on a loan amount of $150,000 and a term of 25 years. Warning: This Comparison Rate applies only to the example or examples given. Different amounts and terms will result in different Comparison Rates. Costs such as redraw fees or early repayment fees, and costs savings such as fee waivers, are not included in the Comparison Rate but may influence the cost of the loan.

We have local experts available to help you with all things finance related. They'll make complicated easy and provide you with the information and advice you need to make the right decisions with your money.

We can assist you with your personal finances including your home loan, car loan and insurances and our financial advisers can help you plan to achieve your financial goals now and in the future. We can also help you organise finance to start or grow your business and fund your assets.

Contact one of our local experts today to see how we can help you. 


Find an Expert

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We know how important it is for you to be able to trust the advice you are receiving from our experts.

Our home loan service comes at no cost to you because we get paid a commission by the lender when you settle a home loan. We then pay your broker but we do it differently from other mortgage brokers. Your Mortgage Choice broker gets paid the same rate of commission no matter which home loan you choose from our wide choice of lenders.

This makes sure they always have your best interests at heart.



Mortgage Choice was founded by the Higgins brothers over 25 years ago. They believed in giving Australians access to a choice of home loans, backed by expert advice to help them make the right choice. They were pioneers in mortgage broking and we've since helped over 400,000 people with their home loans.

Over the years, our passion for offering choice and advice has been extended to other areas of personal and business finance, including our industry leading financial planning service.


About Us

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