Refinance your loan.
Get massive savings.
There’s no better combination than this!
5.93%Variable Rate*
6.13%Comparison rate*
Why should I refinance
my home loan?
Reduce your interest rate and save long-term. Lower rate = Lower Cost.
Like all of our clients, save up to $600 every month after refinancing*.
Use your home’s equity for renovations, investing or other expenses.
Change your rate type & restructure your loan to suit your future plans.
Roll all personal loans, car loans or credit cards into one lower rate home loan.
We handle everything and your refi is often completed in just days!
Refinancing your home loan could be one of your smartest
financial decisions you make. Let’s start with a free chat now…
financial decisions you make. Let’s start with a free chat now…
Why refinance with Loanity?
Spoiler: you already know who’s the winner!
With Loanity
Everything built around your best rate, approval speed & long-term savings.
Banks & Old Brokers
Traditional systems. Longer wait times. Little flexibility.
Forgot to tell you that we also offer
a free consultation!
a free consultation!
Your three step refinance
game plan with Loanity
Free strategy
consult
consult
Tell us your goals & current loan and we’ll identify where you can save.
No pressure. No credit impact.
1
Compare & lock
the best deal
the best deal
We scan lenders, rates & cashback options and present your top picks.
You choose. We handle everything.
2
Approval + funds
released
released
Final documents submitted, refinance executed, savings begin. Completed in 3–7 days.
3
1
Free Strategy
Consult
Consult
Tell us your goals & current loan we’ll identify where you can save.
No pressure. No credit impact.
2
Compare & Lock
the Best Deal
the Best Deal
We scan lenders, rates & cashback options and present your top picks.
You choose. We handle everything.
3
Approval + Funds
Released
Released
Final documents submitted, refinance executed, savings begin. Completed in 3–7 days.
If you could save thousands a year,
you’d want to know…right?
you’d want to know…right?
See how much you could save by refinancing today
Use our live calculator below to estimate your savings instantly.
Change the rate to 5.64% (we achieve this 👀) and watch what happens!
Change the rate to 5.64% (we achieve this 👀) and watch what happens!
No pressure. No credit hit. Big potential reward.
More lenders. More options.
Better results.
Better results.
Still got questions?
Answer to your questions
How much can I actually save by refinancing my home loan?
Even a small reduction in your interest rate can save you thousands of dollars over the life of your loan. For example, dropping your rate by 0.50% on a $500,000 mortgage could save you over $2,000 a year in interest alone. Loanity provides a free mortgage “Health Check” to compare your current rate against the latest market offers to see exactly how much extra cash you could keep in your pocket.
What are the costs involved in refinancing my mortgage?
=Typical costs include a discharge fee from your current lender, and application or valuation fees from the new lender. However, many Australian banks offer “Refinance Cashback” incentives—often between $2,000 and $4,000—which can completely cover these costs and leave you with extra cash. Loanity will run a “break-even” analysis to ensure the long-term savings far outweigh any upfront switching fees.
Can I refinance to access equity for renovations or a deposit on another property?
Yes, “cashing out” equity is one of the most popular reasons to refinance. If your property has increased in value, you can refinance to access that built-up wealth. These funds can be used for home improvements, buying an investment property, or even a new car. Loanity helps you calculate your “usable equity” to ensure you maintain a safe buffer while reaching your financial goals.
Can Loanity help me if I’m self employed or have non-standard income?
We absolutely can! We work with lenders who specialise in self-employed and contractor income. Whether you have tax returns, BAS statements, or alternative documentation, we’ll help structure your application so you’re in the strongest possible position.
Find out more here.
What interest rates can I get right now?
Interest rates are currently highly competitive, but the specific rate you qualify for depends on several factors including your loan-to-value ratio (LVR), credit score, and whether the property is for owner-occupation or investment. At Loanity, we compare over 60+ of Australia’s leading banks and non-bank lenders daily to secure the lowest market rates for our clients. Whether you are looking for the stability of a fixed rate or the flexibility of a variable rate with an offset account, we negotiate directly with lenders to find a deal that beats the standard advertised “big bank” rates. Contact us for a real-time quote tailored to your specific financial profile.
Can I consolidate my credit cards and personal loans into my mortgage?
Absolutely. By consolidating high-interest debts like credit cards (often 20%+) or personal loans into your home loan (at a much lower mortgage rate), you can significantly reduce your total monthly repayments. This simplifies your finances into one single monthly payment. Loanity will help you structure this correctly so you aren’t just stretching short-term debt over 30 years, but actually paying it off faster.