Stop Paying
Your Bank's
Loyalty Tax.
Find out in 2 minutes if you could save thousands on your home loan. No credit check. No obligation. 100% free.
How much could you save?
Enter your loan details — we'll show your savings instantly
No Credit Check
Your score is protected
2-Minute Estimate
Instant savings calculation
Completely Free
No cost, no obligation
40+ Lenders Compared
Not tied to one bank
Australian-Owned
Built for AU homeowners
HOW IT WORKS
Three steps. Two minutes.
Thousands saved.
Refinance Market removes the complexity — we do the rate research so you don't have to.
Enter Your Loan Details
Tell us your current loan balance, rate, and lender. Takes under 2 minutes and won't affect your credit score.
See Your Savings Instantly
We compare with best rates available and show you roughly how much you could save by refinancing
Get Connected to a Broker
Choose to speak with an ACL-licensed mortgage broker who handles the switch. You stay in your home, we handle the paperwork.
Real Savings. Real Australians.
Australians are saving
thousands — are you?
With $65.8 billion refinanced last quarter, there's never been more competition for your loan. That competition translates directly into savings for you.
Live Market Rates
Current Australian Refinance Rates
Updated May 2026 · Owner-occupier P&I · ≤80% LVR
| Lender | Interest Rate | Comparison Rate | Type | Feature | |
|---|---|---|---|---|---|
| Bank Of China | 5.88% p.a. | 6.08% p.a. | Variable | Offset optional | |
| ME Bank | 5.99% p.a. | 6.01% p.a. | Variable | Offset optional | |
| Peoples First Bank | 5.99% p.a. | 6% p.a. | Variable | Multiple offset | |
| Bankfirst | 5.99% p.a. | 6.03% p.a. | Variable | Redrew | |
| Macquarie | 6.09% p.a. | 6.11% p.a. | Variable | Redrew | |
| Ubank | 6.09% p.a. | 6.33% p.a. | Variable | Offset optional |
Why Refinance Market
We're not a bank. We're on your side.
Unlike comparison sites that cover everything from car insurance to credit cards, Refinance Market does one thing: help Australian homeowners switch to a better home loan rate.
100% Refinance Focused
We're not a generic comparison site. Every feature, tool, and lender relationship is built for refinancers only.
No Credit Check
Getting your savings estimate won't leave a mark on your credit file — unlike going directly to a lender.
Independent & Unbiased
We compare 40+ lenders, not just the ones paying us the most. Your best rate wins, not the highest bidder.
Instant Savings Estimate
See your potential monthly saving on screen in seconds — no waiting for a call back, no appointment needed.
ACL-Licensed Brokers
When you're ready, we connect you with fully licensed Australian Credit Licence-holding mortgage brokers.
Completely Free to You
Our service is free for borrowers. We earn referral fees from lenders and brokers when a loan settles — not before.
Get Started — Free
Find out how much you could save
Takes 2 minutes. No credit check. No obligation. Our brokers will contact you within 1 business day.
COMMON QUESTIONS
Everything you need to know
Is this service really free?
Yes — completely free for borrowers. We earn referral fees from lenders and brokers when a loan settles. You never pay us anything.
Will checking my savings affect my credit score?
No. Getting your savings estimate is a soft check only and has zero impact on your credit score. Only when you formally apply with a lender does a hard inquiry occur.
How long does refinancing take in Australia?
Typically 4–6 weeks from application to settlement. Your broker handles the discharge of your old loan, the new lender valuation, and all paperwork.
What are the costs involved in refinancing?
Typical costs include a discharge fee ($150–$400), application/valuation fee ($0–$600 depending on lender), and possible break costs if you're on a fixed rate. Many lenders also offer $2,000–$4,000 cashback for refinancers, which can offset costs significantly.
I'm on a fixed rate — can I still refinance?
Yes, but you should calculate your break costs first. If your fixed term expires within 6 months, you can also lock in a new rate now and switch at expiry — avoiding break costs entirely. Your broker can advise on the best timing.
Are you a bank or lender?
No. Refinance Market is an independent referral service — not a bank, lender, or licensed credit provider. We connect you with ACL-licensed mortgage brokers who can formally advise on and arrange refinancing. We are required to disclose this under Australian consumer credit law.
How much could I realistically save?
It varies by loan size and rate difference. On a $620,000 loan, dropping from 6.5% to 5.39% saves approximately $415/month ($4,980/year). On an $800,000 loan the same drop saves around $540/month. Use the calculator above to get your personalised estimate.
Australia's specialist refinance comparison platform. We do the rate research so you don't have to.
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© 2026 Refinance Market Pty Ltd. All rights reserved.
Refinance Market is a referral service and is not a licensed credit provider. We refer consumers to ACL-licensed mortgage brokers and lenders. Any savings estimates are indicative only and do not constitute financial advice. Always seek advice from a licensed Australian Credit Representative before making mortgage decisions. Rates shown are indicative and subject to change.