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Better Home Loan Rates Start Here

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

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What Our Customers Are Saying

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


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.


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


Connecting you with leading banks

Virgin Money
St. George
ME Bank
Commonwealth Bank of Australia (CBA)
Macquarie Bank
Bank West
Bank of Melbourne
Bank of Queensland
Bendigo Bank
National Australia Bank (NAB)
Heritage Bank

What's a Craggle?

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Craggle is a clever little way of putting you back in control of your Home Loan rate!

Are you after a better personalised home loan, at your fingertips? Then Craggle is for you! Our secure 3-minute sign up will put you one step closer to getting a fairer rate on your Home Loan.

We give your existing bank the opportunity to retain with you a better rate, whilst also sourcing refinance rates from other banks.

The final decision, whether to stay or go, is completely up to you.

What are Craggle’s interest rates?

Craggle is different to other providers - we don’t just show you advertised rates. We negotiate directly with banks to provide you with competitive rates - both from your current bank, and new banks giving you greater mortgage choice in the loan market.

We’re starting with home loans, but we’re on a mission to provide the easiest way to a good deal, everywhere.

How Craggling can benefit you

Register with us!
It only takes 3 mins! Simply answer some questions about yourself and your current home loan for our impartial assessment. Your information is always secure!
Let the power of the people grow!
We pool like minded customers to increase your bargaining power and gather personalised offers from lenders.
Make your decision
Choose the option(s) that best suits your needs!
Looking for a better deal?

It's free & easy to Craggle!

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Refer a friend for $100*
Successfully refer a friend - and both you and your friend will receive $100*

How To Find Home Loan Refinance Offers With Craggle?

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.

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Looking Up ‘Best Home Loan Rates Refinance’? Time to Craggle!

Are you thinking about the benefits of refinancing, which is why you may be looking up ‘best home loan rates refinance’? A mortgage can seem like a confusing maze of financial terms, but you’re not alone.

With Craggle championing your cause, we ensure you receive the best refinancing deals possible. Today, we’ll be looking at your home loan options and seeing how convenient it can be to get the best rates with our help.

How mortgage refinancing works

Knowing what you want

Understanding your home loan refinance options can be a lot, but before you look up ‘best home loan rates refinance’, you’ll want to understand what a mortgage refinance is first.

A refinance on mortgage is the process of obtaining a new mortgage to replace an existing one. When a mortgage is refinanced, the purpose is usually to secure more competitive rates, change the term of the loan, or tap into home equity.

But before you make a loan comparison, you want to take a look at your existing mortgage first. What do you need from it that you aren’t getting? What are your financial goals if you get the refinance rates you want? All of this will give you a clear picture of what you want before you get a refinance home loan offer.

Into the thick of it

After taking a look at your home loan refinance and its rates and conditions, set out clear expectations for your ideal interest rate and repayments.

A refinance mortgage rate calculator could help during this step. This way, when looking at various low-interest loans or the search results for ‘best home loan rates refinance’, you know which one comes closest to, or even meets, your ideal rates.

Getting the ball rolling

Once everything is in order, begin the refinance application process. Make sure you have your income, employment history, and credit score ready. Even if you’re looking to secure an updated refinance home loan from the same lender or bank, you’ll want updated documentation, especially if your credit score and income have improved since the last time you secured a mortgage with them.

The process seems straightforward at first, but we acknowledge that it can be overwhelming to look up ‘best home loan rates refinance’ or figure out if you meet refinancing eligibility criteria. This is where we at Craggle can come to the rescue.

Welcome to the Craggle life

Powerful collective bargaining

Craggle understands the importance of tapping into community power. By using our platform, you are matched with borrowers who have similar loan values and aspirations as you and who may have also been looking up ‘best home loan rates refinance’. The collective voice of like-minded customers increases the odds that everyone will get a fair deal.

The reassuring thing about Craggle is that we’ve got your back at every step along the way. There’s no need to think about the refinance home loan cost all by yourself. We can help you with the nitty-gritty.

The refinancing process at Craggle

Our no-nonsense approach sets us apart from the rest. We’ve made sure our process is clear and that our platform is easy to navigate, so you don’t run into any confusion while trying to get a refinance on mortgage. We make it easy for those looking up ‘best home loan rates refinance’ to compare lenders, understand their refinance benefits, and walk away with a fair deal.

Then you have our Craggle Event, which is where Australian people-power really shines. It’s where we gather Cragglers with similar goals and show the combined power of their combined loan values. By doing this, we can negotiate a better deal with the big banks. And because it’s a timed event, lenders get just enough time to present their best deals without keeping you guys in limbo.

Frequently Asked Questions (FAQ)

How much can I save by refinancing my home loan?

How much you can save depends on a variety of factors. Has your credit score and/or income improved in the years since you first got your mortgage, thereby increasing the likelihood of better interest rates and more favourable terms? Do you have a variety of loan offers to choose from so that you can get the best deal?

With Craggle, we can help you broaden your options, so you’re not just tied to the rate your current lender can give you.

Can I refinance my mortgage with a different lender than my original one?

Absolutely. With Craggle, if you choose a third-party offer, the provider will reach out to you directly, and this will likely involve an application process and a formal credit assessment.

Meanwhile, if you stick with your old provider, you’ll see a retention offer from them alongside those third-party offers. Your renegotiated rate will be applied within five business days, even if you choose to explore refinance options with another provider. Say goodbye to looking up 'best home loan rates refinance'!

How do I choose the right type of refinance for my financial goals?

It depends on your goals. Are you looking to lower your interest rate? Would you like to make smaller monthly payments for more wiggle room? Would you like to maximise home equity? As we mentioned earlier, knowing your financial goals by heart is what will guide you to making the best decision.

Craggle: Harness the Power of the Crowd Haggle

In today’s fast-paced world, everyone is looking for a way to gain control, especially when it comes to their finances. Enter Craggle, a revolutionary platform that’s changing the game for Australians seeking a fairer deal on their home loans.

It’s not just about the borrowers. Craggle believes in a balanced ecosystem where both lenders and borrowers benefit. Banks get a unique opportunity to re-engage with their existing customers, showing their customers they are valued with competitive renegotiated rates, as well as the opportunity to reach out and offer competitive rates to new potential customers – both at scale. Whether you’re looking to rekindle your relationship with your current lender or explore new horizons, Craggle mediates the process, ensuring transparency and fairness.

Signing up with Craggle is a walk in the park, taking less than five minutes to answer a few questions about yourself and the home loan you're seeking a better deal on. Rest assured, your information is in safe hands. As the community grows, so does its bargaining power.

In a world where individual voices often get lost in the noise, Craggle is here to ensure that the chorus of the crowd is heard. Join the Craggle movement today!

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.

Frequently Asked Questions (FAQ)
Where are Craggle's interest rates?
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What is a ‘Craggle Event’?
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What are Craggle's costs to me?
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Are people in the same Craggle Event able to see each other's information?
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What happens if one person in an Event rejects a Bank's offer, do they ruin it for everyone?
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Is Craggle safe?
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Why is Craggle better than other options?
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What happens after I accept a Refinance offer?
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Craggle: your crowd-haggling hero for home loans

Craggle is your friendly neighbourhood superhero, swooping in to save the day in the home loan universe. We’re all about the power of Crowd Haggling, putting you back in the driver’s seat of your home loan journey. We’re your trusty sidekick, helping you get a fair go when you’re looking to refinance on mortgage right from your comfy couch.

By rallying together like-minded Aussies, we boost your bargaining power, ensuring you get fair offers from lenders. No more looking up terms like ‘home loan rate refinance’ on the web!

But we’re not just about home loan refinance offers. Our mission? To make snagging great deals everywhere as easy as a fist bump.

We’re here to make sure everyone’s bank plays fair and offers competitive rates to our Cragglers. Whether you’re looking to renegotiate the interest rate refinance with your existing lender or exploring mortgage choice across the loan market and venture into new territories with a refinance, we’re your trusted guide. So, come on board, and let’s shake up the home loan scene together. Get started with Craggle today!