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Helping Aussies save over


Better Home Loan Rates Start Here

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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Increase your property’s return with Hometime and Craggle

In the dynamic world of property management and homeownership, strategic partnerships can significantly enhance the value delivered to clients. A prime example of such a beneficial collaboration is between Hometime, a leading property management company, and Craggle, an innovative Australian business revolutionising the home loan market. This partnership primarily focuses on providing homeowners with robust solutions in refinancing and managing their property investments.

The Strategic Benefits of Refinancing Through Hometime and Craggle

Refinancing a home loan is a strategic move many homeowners consider to improve their financial standing. By refinancing, homeowners can potentially secure lower interest rates, reduce monthly mortgage payments, or adjust the term length of their loans. This financial manoeuvre can lead to substantial savings over time, more disposable income, and increased property equity, which are crucial benefits in today’s economic climate.

Access to Better Loan Rates

Through the partnership with Craggle, Hometime customers gain exclusive access to negotiated home loan rates that might not be publicly available. This can be particularly advantageous for property owners looking to refinance in order to invest further in their properties or manage other financial obligations more comfortably.

Streamlined Refinancing Process

Craggle’s expertise in the home loan industry complements Hometime’s property management solutions by simplifying the refinancing process. This integration allows homeowners to manage both their property and finance through a single streamlined service, reducing the usual hassle associated with refinancing home loans.

Enhanced Property Investment Returns

Refinancing can free up additional capital which can be reinvested into the property to enhance its value or expand one's real estate portfolio. Hometime’s proficiency in maximising property returns aligns perfectly with Craggle’s financial acumen, providing homeowners with a potent combination to amplify their investment outcomes.

Tailored Financial Advice

Both Hometime and Craggle understand that every homeowner’s situation is unique. The partnership ensures that clients receive personalised financial advice, focusing on optimal strategies for loan refinancing that suit individual long-term property management and financial goals.

Increased Financial Security and Flexibility

With the fluctuating interest rates and changing market conditions, securing a more favourable loan term through refinancing can offer greater financial security and flexibility. This is especially important for those managing multiple properties, as it helps stabilise cash flows and reduce financial risk.


The collaboration between Hometime and Craggle represents a forward-thinking approach to property management and financial planning. By combining expertise in property management with innovative loan negotiation tactics, the partnership not only simplifies the refinancing process but also enhances the economic well-being of homeowners. For those looking to refine their property investment strategies or improve their financial health through refinancing, exploring the benefits of this partnership is a promising step forward.

This partnership marks a milestone in providing comprehensive solutions that cater to the evolving needs of modern homeowners, making it an exemplary model in the property management and financial services industries.

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)
What are Craggle's costs to me?
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Is Craggle safe?
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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!