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Better Home Loan Rates Start Here

Industry leading tech helping you find the best loan rates & options, tailored to you!

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We can do a lot, with just a little

Simply answer some questions about you and we can

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Compare Thousands of Loans Across 30+ Lenders

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Show Competitive Options that Suit Your Needs

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Save Time, Paperwork and Stress

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Expert Lender Support, Anytime You Need

Reduce complexity with smart tools

Through our secure portal:

  • Get Application Updates
  • Upload Documents
  • Chat with your Broker
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Compare 7,460 loan options across 30+ lenders to find the right loan for you

Bendigo Bank
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BankSA
ME Bank
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Macquarie Bank
Commonwealth Bank of Australia (CBA)
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uBank
St. George
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ANZ
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Bank of Queensland
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Suncorp
ING
Bank West
Bank of Melbourne
AMP
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Latest home loan rates

Starting from

Owner Occupied

5.99% p.a.comparison rate: 6.01% p.a.

Investment

6.24% p.a.comparison rate: 6.26% p.a.
Disclaimer: Rates based on: $600k loan | <=70% LVR | P&I repayments. Further conditions, fees and charges may apply.

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.

MICHAEL R - NSW

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.

NATY K - VIC

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

JEFF R - QLD

I felt that Craggle was easy to use. quick and very friendly. Definitely recommend them to anyone.

JUSTIN B - QLD

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.

SCOTT M - QLD

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 W - QLD

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!

MARK B - NSW

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!

PETE H - NSW

The absolute BEST in the business. Super personalised service. I haven’t stopped referring people.

CELIA W - NSW

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

LEE J - NSW

AS FEATURED ON

Money Magazine Logo, which Craggle featured in
Craggle Featured as a 7News Exclusive
Craggle Featured in the Australian Financial Review
Craggle Featured on 2GB - Money News
Today Logo | Craggle
Craggle Featured in Mortgage Business
Craggle Featured in Capital Brief
Craggle Featured on 6PR Perth - Money News
Craggle Featured in DMARGE
Craggle Featured on 3AW Melbourne - Money News

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.