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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.


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.


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


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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

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!
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 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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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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Navigating the Labyrinth of Rising Interest Rates and Inflation: How Australians Can Steer Their Finances Towards a Fairer Future


In the land Down Under, financial skies have been anything but clear. With interest rates steadily climbing and inflation gnawing at the purchasing power of the Australian dollar, it's high time to reconsider financial strategies. One key area often overlooked is the home loan, which is frequently the largest chunk of the household budget. Enter Craggle, a game-changing platform committed to giving everyone a Fair Go by helping them renegotiate better home loan deals.

The Current Economic Landscape in Australia

Rising Interest Rates

The surge in interest rates is not arbitrary; it's the result of a cocktail of factors such as global economic conditions, national debt, and fluctuating unemployment rates. But what does this mean for your home loan? Simply put, if interest rates go up, the cost of borrowing increases. Your monthly repayments could swell, leaving you with less disposable income.

Inflation and Its Aftermath

Parallel to rising interest rates, inflation—the upward shift in the overall price of goods and services—is taking a toll. From groceries to gasoline, the cost of living is going up. This has forced consumers to recalibrate their spending habits, opting for need-based purchases over want-based ones.

Discretionary Spending: The First Victim

When the wallet gets thinner, discretionary spending is often the first victim. According to recent research, a whopping 81% have cut back on optional expenditures like travel, dining out, and entertainment to afford their mortgage payments. This behavioural change has long-term implications. Reduced spending in these sectors affects not just individual lifestyles but also contributes to slower economic growth overall.

Mortgage: A Neglected Area

Now here's a startling fact: despite the economic crunch, only 48% of Australians have considered refinancing to reduce their mortgage cost. This neglect can be financially crippling. The compounded effect of high interest rates over the years can lead to a significant financial burden.

The Benefits of Renegotiating Interest Rates

It's not all doom and gloom. You can take control of your financial destiny by renegotiating your interest rates. A reduction in interest rates can lead to immediate financial relief by lowering your monthly repayments. Furthermore, you can potentially save tens of thousands over the life of the loan. Think about it: that’s money that can be redirected towards investments, family needs, or even that holiday you’ve been postponing.

Options for Tackling Home Loan Costs

Stick with Your Current Bank

Brand loyalty has its perks. A majority of Australians—77% according to Craggle's research—would prefer to stick with their existing bank. One advantage of renegotiating your home loan with your existing bank is familiarity; both you and the bank have a mutual understanding and history. This can translate into waived fees or even a special home loan rate refinance deal that's not offered to new customers.

Jump Ship

For those adventurous souls willing to venture into new waters, 23% opt for a change. Jumping ship to a new bank can be an excellent strategy for landing best refinance rates. Banks are in a constant battle to attract new customers and are willing to offer competitive rates to win you over.


A not-so-hidden secret is that 42% have considered refinancing on mortgage. This involves taking out a new loan to pay off your existing one, hopefully, at a lower interest rate. Done correctly, this could significantly cut your refinance home loan cost, turning the tide in your financial journey.

Craggle: Your Ally in Achieving a Fair Go

Craggle is not just a service; it's a revolution designed to help you get the best out of your financial agreements. Through collective bargaining, we amplify your negotiating power. Whether you want to stick with your current bank or jump ship, Craggle simplifies the process, giving you a better shot at financial well-being.


These are testing times for anyone with a home loan. Rising interest rates and inflation are not just financial terms; they have real-world implications that affect your day-to-day life. In this landscape of ever-increasing financial pressure, inaction is not an option. Platforms like Craggle are empowering Australians to take charge of their financial destinies by renegotiating better home loan terms.

Call to Action

Your home loan doesn't have to be a financial shackle. With Craggle, you can turn it into a tool for financial freedom. So, take the reins of your financial destiny and give Craggle a try. After all, who doesn't deserve a Fair Go in life?

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!