Compare home loan refinance offers with rates from 4.20% p.a.

Savvy can connect you with Australia's most reputable lenders for your home loan refinance so you can lock in a lower rate and receive exciting cashback offers. It's free and comes with no obligations.

No obligation. It won't affect your credit score.

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Access to 30+ lenders with refinance rates from 4.20% p.a.

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A Range of Options

Compare 30+ lenders

With so many options from top lenders available right now, Savvy can help you find the best mortgage for your needs.

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Up to $6,000 cashback

Many lenders are offering cashback deals worth thousands of dollars, which you can find right here with us.

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Secure a cheaper rate

You'll be able to choose from a range of low-rate deals right here and save a significant amount on your home loan.

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Unlock equity

Refinancing also allows you to access the equity you've built in your home, which can open further investment doors.

Why Australians trust Savvy 

Here's why so many Australians choose Savvy to help them secure their ideal home loan.

Trusted, accredited partners

Savvy is partnered with the Big Four banks as well as a variety of other lenders who you can trust.

Over a decade of experience

We've been helping Australians like you source the right home loan offer for their needs for more than ten years.

A customer-first experience

We always put our customers first, which is why we have a 4.9-star Feefo rating for satisfaction among our clients.

Got a home loan refinancing question?

Read some of the common queries we receive here at Savvy.
How does home loan refinancing with Savvy work?

The home loan refinance process is simple when you apply with Savvy. First, you can complete a free no-obligation quote to tell us about yourself, your finances and the type of home loan you're looking to switch to. From there, a member of the Savvy team will get in touch with you to discuss your options and help you narrow down the best offer for your needs.

From there, you can sit back and let us handle the work. We'll prepare your formal application and speak with your lender on your behalf to help maximise your chances of approval. Once you're approved, we'll help you with settlement and any other required forms. We'll see you through from hopeful buyer to new homeowner.

How quickly can I refinance my home with Savvy?

The online process with Savvy is highly streamlined and convenient for you, with your online application and documentation submission taking as little as ten minutes to complete. From there, a member of the Savvy team will be in touch with you to talk you through your options and can have your formal application submitted as soon as the same day. Different lenders have different processes when it comes to considering home loan applications, but we'll advise you as to how long you can expect your application to take.

What cashback offers are available with Savvy?

Many of our partnered lenders offer cashback deals, with some ranging up to $6,000. If you're looking to lock in a refinance deal which comes with a cashback sweetener, you can speak with your Savvy broker about your options and compare what's on the market right now with us.

How much equity will I need to refinance my home loan?

When refinancing your home loan, you'll need to have at least 20% equity remaining if you wish to avoid paying Lenders Mortgage Insurance again (which is worth avoiding). Your Savvy broker will advise you as to how much you'll need to have as a deposit on your new home loan.

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* Interest Rate from 5.79%, comparison rate of 6.16% p.a. based on a 5 year secured consumer fixed rate loan of $40,000. **WARNING: The comparison rate, monthly repayment and total cost applies only to the example given and may not include all fees and charges. Costs such as broker fees, redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. Different terms, fees or other loan amounts may result in a different comparison rate. Establishment fees and monthly fees apply only to consumer loans. Commercial use loans may attract different fees.

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