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Better Home Loan Rates Start Here

Craggle's AI will help you negotiate a better rate with your current provider or a new one

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What Our Customers Are Saying

I had a bank loan and tried to negotiate myself for a better rate, I tried a couple of times and was unsuccessful. I later contacted Craggle and I was happy that they were able to negotiate what I was expecting from my Bank. I was very happy with the effort taken by the Craggle team and would definitely recommend their services to everyone.

ALEX S - SA

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

Craggle negotiated a better variable rate with my bank and had the changes made within a few days. I did not have to contact the bank at all which was amazing saving us money and time. Thankyou Craggle for your assistance

ABBY Y - NSW

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What's a Craggle?

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Craggle is a clever little way of putting you back in control thanks to the power of the Crowd Haggle!

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.

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.

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

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Sign up to Craggle
It only takes 3 mins! Simply answer some questions about yourself and the home loan you want a better deal on. Your information is always secure!
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Let the power of the people grow!
We pool like minded customers to increase your bargaining power and gather personalised offers from lenders.
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Make your decision
Choose the option that best suits your needs – stay with your current lender or refinance.
Looking for a fairer 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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Beyond Just Banking: Craggle’s Path to the Best Refinance Rates

Searching for the best refinance rates for your home loan? Look no further. Refinancing offers a modern evolution in mortgage solutions, and with Craggle, it’s a whole new ballgame. Gone are the days of navigating individual bank negotiations on your own.

With Craggle, you become part of a unified voice that banks can’t overlook. Why tread the path alone when the collective power of a Crowd Haggle can secure the best refinance rates for you?

Harnessing Refinancing Power with Craggle

Why Refinance? The Real Deal

Refinancing is your chance to reassess and reinvent your mortgage game. By replacing your ongoing loan with a new one, you stand a chance to get a refinance for a shorter loan term, get a low-interest refinance, enjoy additional features, or have greater flexibility in repayments. The best part? You may get to enjoy savings every month and perhaps over the lifetime of the loan.

Additionally, when you choose to refinance mortgage rates, you could use those funds to repair or renovate your home, upgrade your car, or even invest in real estate.

Revolutionising Refinance: The Craggle Way

In traditional loan refinancing, you directly negotiate with your lender or a potential new lender in a one-on-one setting. However, Craggle’s Crowd Haggle introduces a game-changing approach.

Starting with Craggle for a refinanced mortgage is both streamlined and tailored. The journey begins with an impartial assessment of the customer's current home loan, assessed against rates that Craggle has been able to negotiate for similar home loans, helping users understand the potential benefits of refinancing.

Afterwards, users provide some details around themselves and some income specifics. Clients are then grouped together for a Craggle Event. These Craggle Events amplify users' collective bargaining strength with either their current provider or a new provider for the interest rates.

Frequently Asked Questions (FAQ)

When is the best time to refinance for a lower rate?

The optimal moment to get the best refinance rates often hinges on the specific circumstances of the borrower. Common scenarios prompting refinancing are when market interest rates decline, when there’s a notable improvement in the borrower’s credit score, or when there’s a significant shift in their financial landscape.

As you evaluate your refinancing options, it’s essential to understand the key determinants:

  • Eligibility: The eligibility requirements needed for refinancing vary depending on the lender.
  • Credit Score: This pivotal number can either open doors to competitive rates or limit your refinance options.
  • Debt-to-Income Ratio: This metric, which compares your financial obligations to earnings, holds significant weight when it comes to your pre-qualification for refinance.
  • Equity: The more equity you have in your home, the more leverage you have in negotiations to help secure the best refinance rates. Additionally, achieving 20% equity in your home often means bypassing the added expense of Lenders Mortgage Insurance (LMI).
  • Loan Details: Specifics such as loan amount and type can sway the interest rate you're offered.

Armed with this knowledge, make an informed decision that aligns with your financial goals and begins your journey towards a brighter financial future.

Is it worth refinancing for a small rate reduction?

Whether it’s worth refinancing for a small rate reduction depends on the borrower’s individual situation. In some cases, even a small reduction in the interest rate can result in significant savings over the life of the loan. Borrowers should also consider their long-term financial goals and whether refinancing aligns with those goals.

At Craggle, we position ourselves at the forefront of this revolution. We’re not just facilitators; we’re your allies in the fight for the best refinance rates. Share with us the details of your loan, use our refinance calculator for a clearer perspective, and let us know your ideal outcomes, and we’ll help you get closer to better home loan refinance deals.

How does my employment history affect refinance rates?

Lenders for refinancing often factor in employment history when determining a mortgage rate for refinance, as a consistent employment track record can suggest a reduced likelihood of default. Craggle understands this nuance and works strategically to present your unique profile in the most favourable light to prospective lenders.

Navigating the world of finance requires trust, especially when introducing innovative approaches like Craggle’s. We understand the importance of entrusting us with your personal and financial details. That’s why we prioritise your data’s security, anchored by our stringent privacy measures.

Further bolstering our credibility is our proud accreditation under the Australian Credit Licence, endorsed by ASIC. At Craggle, we don’t just seek your trust; we earn and protect it, ensuring you can confidently embark on this financial journey with us.

Discover Craggle: Where Crowds Drive Fair Deals

Introducing Craggle, your clever gateway to harnessing the immense strength of Crowd Haggle. Ever dreamed of a fair go on your home loan rate refinance? Well, Craggle seamlessly puts that power at your fingertips.

No longer wade through the mortgage refinance maze alone; Craggle unites the spirited determination of Aussies, ensuring everyone gets a shot at the best refinance rates And our banking partners? They’re in on the mission too!

Through Craggle, banks present their best mortgage rates for refinance, letting you either rekindle your relationship with your existing lender or venture into new horizons. Our core is home loans, but our vision stretches far, envisioning a world where finding a good deal is easy. Sign up now!

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 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!