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It only takes 3 minutes! Simply answer some questions about yourself and your home loan. Your information is always secure!

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We gather personalised options from lenders and hand it to you to give us the greenlight to save you money.

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We’ll help you refinance in a very simple way, after which time you can sit back and count your savings.

Let the savings roll in

How Craggle can benefit you

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Craggle's services are completely free for Australian customers.

What are Craggle's costs to me?

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One of our Award Winning Brokers will be in touch within the next 4 business hours to discuss further.

What happens after I accept a Refinance offer?

Frequently Asked Questions (FAQ)

A better home loan minus the complexity. Let our platform do the heavy lifting and save today!

Better Home Loan Rates Start Here

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How Does Craggle Work?

Feeling stuck with your current home loan? It’s time to explore home loan refinance offers with us at Craggle. 

This guide simplifies the complexities of refinancing, from understanding its potential benefits to determining your eligibility. Read along and discover how Craggle can help you access fairer deals.

How To Find Home Loan Refinance Offers With Craggle?

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Revolutionising home loans with cutting-edge AI offering personalised, secure solutions for better interest rates, empowering you with smarter financial choices.

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Get Tailored Home Loan Options In Minutes with Craggle

MICHAEL R

Craggle - fantastic service - highly recommend them, very efficient, super friendly and a great saving of almost 2% on our home loan rate.

NATY K

Amazing and helpful team. They make the whole process of refinancing less stressful. The team is helpful and able to give us some strategies in investing in our money at the right place. 

So grateful to have their support.

JEFF R

After trying several different avenues to find a mortgage broker who could help us (Canstar, Joust, approaching individual brokers), we heard about Craggle and decided to give it a go.

The sign up was very easy and within a couple of days we had an offer that saved us $10,000/year

JUSTIN B

I felt that Craggle was easy to use. quick and very friendly. 

Definitely recommend them to anyone.

SCOTT M

Excellent service. Simply completed an online form and Craggle did the rest to earn me a discounted home loan interest rate. 

I would recommend anyone to take advantage of this service.

MARK W 

Craggle helped us to decrease our current variable home loan rate by 1.4%, which exceeded our expectations. The registration process is simple and fast. We were impressed with the personalised service they provided, including regular email updates on the status of our request. We are extremely satisfied with the service and the results we achieve.

MARK B

WOW! Luke and the Team offer an amazing service and exceeded our expectations. 
The savings they realised on our home loan interest rates were incredible. Luke and the Team really do provide a "fair go for all".
Mortgage holders, do yourself a favour and sign up to Craggle!

PETE H

Went to my bank, they weren't interested in negotiating a better rate. 

Went to Craggle after I had seen it mentioned on The Today Show and managed to get a better rate which was applied straight away. 

Winning!

CELIA W

The absolute BEST in the business. Super personalised service. 

I haven’t stopped referring people.

LEE J

Had the opportunity to use Craggle for my home loan didn’t have to do anything craggle handled everything would highly recommend

What Our Customers Are Saying

#### The ABCs of home loan refinancing
Home loan refinancing is like a savvy switcharoo in the financial world. It’s all about taking your remaining home loan balance and shifting it to a new lender. But it’s not just about a change of scenery – it’s a strategic move made for a variety of reasons.

This process opens up a treasure chest of refinance options where you can potentially find a more suitable loan term that aligns with your financial goals and lifestyle.

#### What are the potential benefits of home loan refinance?
Here are some perks that can come with home loan refinancing:
- **Money-saving potential**: Refinancing could help you secure better deals, like a lower interest rate, potentially saving you a significant amount over the lifetime of the loan.
- **Borrowing boost**: You have the opportunity to adjust your loan conditions or increase the amount you can borrow. This could help you fund larger projects or investments.
- **Loan restructuring**: Depending on the lender, you could move from principal-and-interest repayments, where you pay off both the loan amount and interest, to interest-only repayments. This switch can ease your financial load in the short term, offering you more flexibility in managing your budget.
- **Bundling bonanza**: Consolidating all your banking business to a single institution could allow you to access package [home loan refinance deals](https://www.craggle.com.au/home-loan-refinance-deals).
- **Debt consolidation**: Refinancing can be a powerful tool for simplifying your finances. By consolidating multiple debts into one home loan, you streamline your repayments, potentially saving time and reducing stress.
- **Feature upgrade**: You’ll also have the opportunity to add features to your loan. For example, you could switch to an offset account, which acts like a savings account and reduces the interest you pay. You could also take advantage of a redraw facility, which allows you to access extra payments made on your loan.

#### What factors determine my eligibility for refinancing?
While each provider has its own criteria, certain factors can help you secure a refinancing option effectively:
- **Equity**: Generally, if you have at least 20% equity in your home, you’re in a stronger position when it comes to home loan refinance offers. This could give you more leverage in negotiations and potentially help you secure better rates.
- **Credit score**: A higher credit score can improve your chances of approval for a [mortgage rate refinance](https://www.craggle.com.au/mortgage-rate-refinance).
- **Income and expenses**: Lenders will typically assess your income and expenses during the refinance process. If your income comfortably covers your expenses, you’re more likely to be approved.

#### How can Craggle help me refinance my home loan?
Many Aussies struggle to find the top lenders for refinancing. At Craggle, we’re here to help you negotiate refinance deals.

Becoming a part of the Craggle family is super quick – all it takes is five minutes! We’ll simply ask a few questions about you and your refinancing plans.

Once you’re in, you’ll unlock the door to a Craggle Event. But this isn’t your typical event. It’s a personalised showcase of home loan refinance offers tailored just for you. You may see a retention [refinance home loan offer](https://www.craggle.com.au/refinance-home-loan-offer) from your current provider (if they’re playing ball) and new offers from third-party providers.

It’s a buffet of [refinance mortgage rates](https://www.craggle.com.au/refinance-mortgage-rates), and you’re the star guest!

You’ll have a full ten business days to think about the offers we present. If you think you’ve found one that fits your financial situation, we’ll pass the baton to your chosen provider. 

If you choose a retention offer, your new rate will be applied within five business days.

If you choose a third-party offer, the provider will reach out to you directly, and this might involve an application process and a formal credit assessment.

So, let Craggle help you compare home loan refinance rates and even possibly secure cash-out refinance benefits. We’re not just a service – we’re building a community where everyone gets a fair go. Whether you’re eyeing a variable-rate [mortgage refinance](https://www.craggle.com.au/mortgage-refinance), a fixed-rate home loan refinance, or just learning how to refinance a home loan for low refinance rates, Craggle is your go-to guide!

#### Frequently Asked Questions (FAQ)

##### Is there a maximum number of times I can refinance my mortgage?
Technically, there’s no limit on the number of times you can refinance your home loan. However, it’s crucial to ensure that each refinance brings you a tangible benefit. It’s not about how often you can do it but how well it serves your financial goals each time.

##### Will refinancing impact my credit score?
Refinancing your home loan does involve a formal credit enquiry, which could be noted on your credit file. But here’s the good news! Regular, on-time repayments to your new lender are a fantastic way to maintain and even improve your credit score. Just remember, it’s important to be ready before you apply to avoid multiple unsuccessful applications.

##### Is my information safe with Craggle?
Absolutely! At Craggle, the security of your data is our top priority. We’ve built a robust and efficient platform that prioritises confidentiality and system protection. We’re always on the lookout for security events to ensure your information stays as safe as a secret handshake. Trust us – we’ve got your back!

_Disclaimer: Unless otherwise specified, the opinions expressed in this article are strictly for general informational and entertainment purposes only and should not be taken as financial advice or recommendation. Views are subject to change without notice at any time._

Understanding home loan refinancing

Craggle helps put you back in control of your Financial Goals!

What are Craggle’s interest rates?

Are you after a better personalised home loan, at your fingertips? Then Craggle is for you! 
Our secure 3-minute journey can cut up to a week from the refinance process, helping you navigate the complexities with ease.

Just like you, home loans and interest rates are unique. While we could simply list the lowest rates, there’s no guarantee they’ll fit your situation. 
That’s where Craggle stands out. We focus on showing you the best rates tailored to your financial situation and needs. 
Just answer a few questions, and within minutes our industry-leading platform will assess options from over 80 lenders to find the ones that truly suit you.