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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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How to Secure a Mortgage Refinance Offer with Craggle

Need a little more flexibility, but feel like your current home loan is holding you back? This is where mortgage refinance may be an option. But for first-timers who aren’t too excited to negotiate with banks on their own, there’s always Craggle – the home of the fairer deal, powered by, well, people power. Today, find out how you could bag a home loan refinance offer with terms that work for you.

What is mortgage refinance?

Want to refinance mortgage rates? It’s important to understand how they work first. When you refinance, you’re not just changing your mortgage; you’re making a well-thought-out move to improve your financial situation.

A refinance on mortgage involves paying off your existing mortgage with proceeds from a new loan, from a different lender. With a new loan, you may potentially enjoy refinance benefits like lower mortgage rates, additional features, a different loan term, or greater flexibility in repayments.

The Craggle-tastic difference

A collective bargaining powerhouse

Craggle knows how important it is to tap into community power. With our platform, borrowers with similar loan values and aspirations as yourself are grouped for an ideal match. Bringing like-minded customers together increases everyone’s chances of getting a fair deal by amplifying that collective voice.

In the vast world of mortgage refinance options, it’s reassuring to know that Craggle has got your back every step of the way. No need to think about the refinance home loan cost or how to start fresh with a refinance all by yourself. You have us now!

Here’s how Craggle does refinancing

Here at Craggle, we’re no-nonsense. Our platform is designed to be crystal clear to understand and a breeze to use, cutting through the extensive legal speak that can come with getting a refinance on mortgage. We make it easy for you to compare lenders and find the right mortgage refinance deal.

Then you have the Craggle Event, which is where we gather lots of Cragglers together to show the combined might of their combined loan values. Doing this helps us negotiate a fairer deal with the banks. It’s a timed event, which gives lenders a chance to showcase their best deals without keeping you and other borrowers waiting.

You’ll see a retention offer if your current provider joins the fray. There are also new offers from third-party providers now so you can choose the one that suits your financial situation best.

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. Your new rate will be applied within five business days if you choose the retention offer from your current provider.

Frequently Asked Questions (FAQ)

What are important things to do before refinancing?

You don’t have to be an expert to get the right home loan, but we understand how intimidating it can be. The first step is simple: a fresh and closer look at the terms of your current loan. Zero in on interest rates, loan terms, and how you’re paying off the mortgage. This will help you gauge whether your loan works for you – or if it may be time to trade up.

A cost-benefit analysis

You should also consider your existing loan’s costs and benefits. There’s more to it than just what you pay every month, as there are service charges and other fees to think about. On the flip side, think about your current home equity and the potential appreciation of your property. Taking these into account can help you figure out what your mortgage is really worth.

Mind the gap

Here’s where we start thinking about what we want. What do you want from a new loan that you don’t currently have? Are you looking for best home loan refinance rates or just want lower monthly payments to free up your budget?

Setting clear goals – ideally with specific number values – is the first step to securing those home loan refinance deals. This way, down the line, you can easily filter out offers that don’t fit the bill.

Why should I consider refinancing my mortgage?

All that said, what are some reasons a home loan refinance might be right up your alley?

For starters, you can save a lot over the life of the loan by getting the best mortgage refinance rates. If you manage to secure a great mortgage refinance deal, you could expedite the full repayment of your home loan with a shorter term or lower monthly payments.

With more favourable terms, you have a little more freedom to pursue other financial goals. Maybe your bathroom is in major need of repairs or renovations, you want to upgrade the family car, or you may even be thinking about your next property purchase.

Refinancing home loans gives you flexibility, whether you want to switch from a variable to a fixed rate or the other way around.

When is the right time to refinance my mortgage?

Working on a refinance can be a strategic financial move, but the decision to do so should be based on a combination of factors rather than a single event or condition. You’ll want to think about mortgage refinance pros and cons, consult with refinance experts, and calculate potential refinance savings with a mortgage refinance calculator.

Refinancing could save you a lot over the life of your loan if interest rates are lower now than when you got your first mortgage.

Maybe you can get a better interest rate now if your credit score has improved since you took out your original mortgage. It’s also pretty common for homeowners to refinance to shorten their mortgage terms. If you switch from a thirty-year to a fifteen-year loan term, you could save money in interest.

Finally, with a refinance, you can consolidate other debts into your mortgage, possibly at a lower rate.

Craggle: Harnessing the Power of the Crowd for Fairer Home Loans

Begin your mortgage refinance journey with Craggle in the same amount of time it takes to brush your teeth! Simply tell us about yourself and what you would like to accomplish with a home loan. And don’t worry; keeping your information safe is our top priority.

Become a member of the Craggle community and help us boost our bargaining power so that everyone – including you – can get better terms and rates on their home loan. We’re rallying for a fair deal on home loans, so join us. Sign up 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!