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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.

MICHAEL R - NSW

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

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

JEFF R - QLD

Connecting you with leading banks

Virgin Money
Westpac
uBank
St. George
Suncorp
ING
ME Bank
Commonwealth Bank of Australia (CBA)
Macquarie Bank
Bank West
Bank of Melbourne
AMP
BankSA
ANZ
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

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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!
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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(s) that best suits your needs!
Looking for a better deal?

It's free & easy to Craggle!

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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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Your Refinance Home Loan Process Made Easy With Craggle

Feel stuck in mortgage quicksand, sinking into high-interest rates and inflexible terms? Hop on the lifeboat, rowing towards better shores, and find the solution to your endless ‘refinance home loan’ search queries.

Whether you’re curious about how to refinance a home loan in Australia or want to learn the difference between refinancing and rate negotiation, this article has all the information you need. Discover the benefits of refinancing your home loan and how Craggle can help you find fairer deals below.

Defining refinancing

Who wouldn’t like to trade their old, rickety bicycle for a shiny new one with better gears and a more comfortable ride? The same principle applies to refinancing your home loan.

Many Australians search for terms like ‘home loan rate refinance’ online because they know that good home refinance options allow people to swap out their current mortgage for a new one, with the potential perks of saving on interest and accessing home equity to fund other ventures or life goals.

How does a home loan refinance work?

Before you do a refinance home loan comparison, it’s important that you understand how it works.

Refinancing isn’t merely about changing your home loan; it’s a strategic move to improve your financial standing. Think of it as a transition — a shift from your current home loan to a potentially more beneficial one. The refinance process typically entails settling your existing home loan with funds from a new loan, possibly from a different lender.

Much like upgrading to a newer, more efficient vehicle, refinancing involves replacing your existing loan with one that better serves your financial needs and goals. The new loan may offer a lower interest rate, additional features, a different loan term, or greater flexibility in repayments, all tailor-made to enhance your financial well-being.

Evaluating your current home loan

Evaluating your home loan doesn’t have to feel like rocket science, but we understand how it can be intimidating to make the right decision. No need to look up ‘refinance home loan’ or ‘refinance calculator’; below are factors to consider to get a better picture of your current home loan:

Mortgage terms

Alright, let’s kick things off by taking a closer look at your home loan terms. We’re talking about the interest rates, loan duration, and how you’re paying it back. By understanding them, you’ll get the hang of whether you’re currently in a good spot or not.

Costs and benefits

Next up, consider the costs and perks of your existing loan. The costs aren’t just about what you’re paying every month; there might be service charges and other fees you need to include in the equation. But hey, it’s not all grim; there are also benefits like building equity and potential property appreciation. Weighing these up can help you gauge the real value of your mortgage.

Spotting the gaps

What features would you like in your loan that you’re not currently getting? Will you find the best home loan refinance rates or the lowest refinance fees out there?

Figuring out what’s missing could be your guide in your next mortgage negotiation or when sifting through the home loan refinance deals you might find online after looking up terms like ‘refinance home loan’ and ‘[best home loan rates refinance]’(https://www.craggle.com.au/best-home-loan-rates-refinance).

Craggle can help you land a better loan deal

So you’ve checked out your home loan and decided that the refinance home loan route is the way to go? Good news! Craggle, your home loan expert, is here to help you snag better refinance deals.

Consider us the friendly mediator who champions fairness for every household, making sure your refinance mortgage journey isn’t a lonely or difficult one. We’re all about gathering people and haggling as a group, or, as we say, crowd haggling. No need to deal with the tricky refinance home loan cost alone!

Instead of wrestling with intimidating refinance home loan rates single-handedly, Craggle bundles up the people-power of Aussies like you. Our goal? To negotiate a deal that puts a smile on everyone’s face. It’s like a tug-of-war where, when we all pull together, we can steer the course towards better outcomes for everyone.

Frequently Asked Questions (FAQ)

Is it hard to refinance a home loan?

We won’t sugarcoat it; with a multitude of refinance home loan options fluttering about, it can be a slog to look for the best refinance rates alone.

But hang tight — Craggle’s got your back! We’re the hub where collective strength converges with the offers of refinance lenders, strengthening your bargaining power by pooling together like-minded folks. With Craggle, the once seemingly uphill battle smooths into a refinance home loan process made easy.

When is the right time to refinance my home loan?

Alright, here’s the lowdown – there’s no magic formula or crystal ball that will tell you the perfect time to commit to one of the refinance offers you have on the table. Before you dive headfirst into the first deal you find, consider these:

  • Figure out how long you plan to keep your home (is this your forever home, or do you plan to sell it later on?). Know your financial goals, and don't forget about your credit score. These elements can guide you when figuring out whether it’s the best time to refinance home loan in Australia.
  • Your financial health doesn't just help secure your future; it also plays a crucial role in determining if it's time to refinance. Have you had a positive change in your income or credit score? This might help you secure a better interest rate and make refinancing worthwhile.
  • Remember, there are costs involved with refinancing, like establishment, property valuation, and settlement fees. Make sure the savings you expect when searching for 'refinance home loan' or ‘mortgage rates for refinance’ outweigh these expenses.

How long does the refinancing process usually take?

Refinancing isn’t a one-size-fits-all process. It can take somewhere between a few days and a few weeks. But hang on; we’ve got good news. With Craggle, finding a fairer loan deal doesn’t have to feel like watching paint dry. We hold these cool events we call a ‘Craggle Event’ where we get a bunch of our Craggle family together, showing off the total power of their loans.

It’s like showing the banks our team spirit, and guess what? It helps us negotiate a fairer deal for you. These are timed events, so you’re not left hanging around, and the banks get just the right amount of time to realise how awesome our Craggle community is.

Once you accept an offer, your bank of choice will contact you within forty-eight hours to begin the refinancing process.

Before you know it, they’re back with a fairer deal.

Get started with Craggle

Kickstart your refinance home loan journey with Craggle in less time than it takes to brew a cuppa! Just share a little about yourself and your home loan goals. We handle your information with the utmost care, keeping it as secure as possible.

By stepping into the Craggle community, you get to be a part of boosting our bargaining power to score a better home loan deal for all. So, hop on board and join our rally for a fairer deal on home loans. Together, we’re a force to reckon with!

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 recommendations. 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!