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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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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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The Ultimate Power: Choose From Home Loan Refinance Deals

Deciding whether or not to get a mortgage was an important choice, but so is choosing from different home loan refinance deals.

Here at Craggle, we’ll discuss the importance of mortgage refinance, what factors to watch out for, and why people may want to look into it. What’s more, we’ll talk about savings calculations, switching lenders, and keeping a rate that works for you.

Join us today and learn more about how we can get you suitable home loan refinance deals through our Craggle Event and crowd haggling approach.

Home loan refinancing considerations

The way this type of loan works

Home loan refinancing deals allow a borrower to take out and replace their mortgage with a new offer, ideally with a lower mortgage rate for refinance, a different loan term, and more repayment flexibility. This gives them the opportunity to save funds and use them in other endeavours.

Various reasons behind the refinancing

Having a property to call your own is a dream for most Australians, but it typically doesn’t end there since most people also have other goals and aspirations in mind. For instance, others may also want to save for exciting renovations or repairs, while others would be eager to upgrade their beloved vehicle.

Frequently Asked Questions (FAQ)

How can I calculate the potential savings from a refinance?

If you’re looking for the best home loan refinance rates or home loan refinance deals, you probably want to calculate the potential savings you can receive through a refinance. Nowadays, there are a number of online calculators you can find that can help you figure out an estimate. This tool allows you to consider the key aspects involved – your interest rate, the new one, possible refinance costs, and the loan durations.

You can also manually calculate how much you could potentially save with home loan refinance deals. Simply compare your fortnightly, monthly, quarterly, or yearly payments (including interest) with the new one you’re vying for. You can then add up all the savings compared to the old rate and factor in deductions like refinance costs.

However, it’s crucial to figure out how to get refinance options in the first place. Rather than looking for multiple refinance quotes from various lenders, you can join us at Craggle.

Here, you can amplify your voice and bargaining power with other like-minded people in a similar situation. This ‘crowd haggling’ will allow refinance lenders to see the collective value of multiple borrowers and come back with a fair deal.

You can then pick a suitable option based on your specific needs, and a bank representative will reach out to you within forty-eight hours about your new rate.

Can I switch lenders when refinancing?

When it comes to the home loan refinance process, borrowers don’t have to stick with their current lender. Just keep in mind that different home loan refinance lenders might have different requirements, which might have you wondering how to qualify for home loan refinance deals again or maybe, ‘What do other lenders consider if I want to opt for their refinance mortgage deal?’

At Craggle, not only can we help you find an offer with a lower interest rate, a different loan term, more repayment flexibility, and even additional features, but we can also give you the opportunity to experience the luxury of choice.

When your voice gets amplified by other Cragglers just like you and your bargaining power increases with everyone’s collective value, you can have a fair go and select from different options. With us, you can choose whether or not you want to stay with your current lender or try out another refinance home loan offer from another lender.

This way you can get a chance to save money and perhaps work on other endeavours like upgrading the family car, repairs, renovations, or even debt consolidation.

How can I lock in a favourable interest rate during refinancing?

Say you found a suitable option after looking up some of the best refinance rates for your home loan. In that case, you may want to check if this offer has a rate lock. This allows borrowers to ensure that the favourable interest rate they want is maintained during an agreed-upon timeframe. With this feature, you won’t have to think about the rate fluctuating during the duration of the refinance.

However, what if you end up finding even better rates or home loan refinance deals down the line? A mortgage rate lock may tie you down for longer than you’d like or come with hefty closing costs.

For this reason, we at Craggle have our regular, timed Craggle Event. Instead of putting up with the same rate for months or even years, we allow you to join other homeowners who want the same thing – fairer home loan refinance deals. Through everyone’s collective value, you can be better positioned to negotiate with banks and enjoy the rates you prefer.

Embrace the power of the crowd with Craggle

Gone are the days when people would look for home loan refinance deals all by themselves, ultimately attempting to secure a better rate. Enter Craggle, an innovative service that’s helping borrowers and lenders interact on an even playing field.

By bringing multiple borrowers together and combining their bargaining power, everyone has a unique opportunity to extend fair offers to a vast audience. It’s a win-win approach that shakes up the conventional system, giving institutions a chance to renew bonds or serve new clients. Sign up now!

Disclaimer: Unless explicitly specified otherwise, the opinions presented on this page are strictly for general informational and entertainment purposes only. Furthermore, they should not be taken as any form of personalised financial advice or recommendation. The views expressed in this article are also subject to change at any time without prior notice.

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!