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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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Your Ultimate Guide To Refinance Home Loan Cost

Don’t worry; not all is lost when you’re stuck worrying about the refinance home loan cost.

Here at Craggle, we’ll tackle the benefits of getting a suitable refinance home loan offer, what you could do with the potential savings, and why you should consider us as a partner when looking for an option that could work for you. Additionally, we’ll also talk about the difference between closing costs and refinance costs, as well as the concept of home inspections.

The allure of a better deal

The result of refinancing

A lot of Australians look at the overall refinance home loan cost because it could potentially provide them with savings they can make use of in other ways. Generally, the process involves a borrower searching for lower mortgage rates for refinance or a more suitable loan term. However, they could also look past savings and opt for better repayment flexibility, greater features, and more.

Far from home

But what do people do once they factor in the refinance home loan cost and potential savings?

While having a piece of property you can call home is a feat in and of itself, others would also continue on with similar goals. For instance, some people may want to work on thrilling renovations or repairs supporting an increase in their property's value, some may explore purchasing an investment property, while others may be excited to exchange their old car for a new one.

At the end of the day, the choice should always be yours.

Come consider Craggle

If you’re thinking about the general refinance home loan cost and refinance mortgage offers as a whole, consider signing up with Craggle.

Here, we’re all about ‘crowd haggling’, and that means that we’ll take your individual voice and amplify it with other borrowers who want fairer deals just like you. With our timed and recurring Craggle Event, everyone’s bargaining power can be combined, all so you can have a better chance of negotiating with financial institutions and receiving a mutually beneficial agreement. Options will then be presented to you, and you can choose whether to stay with your current bank or try something different from another lender. If you decide to stay with your current lender, your new rate will be applied automatically within five business days, if you selected to explore refinance opportunity with another lender one of their representatives will connect with you within forty-eight hours. Selecting an offer doesn't lock you in, you hold all the power and are free to explore other options.

Sign up now; it only takes five short minutes!

Frequently Asked Questions (FAQ)

What is the difference between closing costs and refinance costs?

When thinking about the general refinance home loan cost or mortgage cost, it’s important to differentiate between closing costs and refinance costs. This becomes simple if you think of them as ‘old’ and ‘new’ charges, where closing costs are the charges you’ll have to pay for closing your old loan down while refinance costs are what you’ll have to pay for your new loan.

  • Closing costs: These closing fees are handled when a borrower would like to complete the property transaction, whether that’s by paying off their current mortgage deal over time or paying off their current mortgage deal immediately through another home loan. A typical closing cost is the mortgage discharge fee.
  • Refinance costs: These refinance fees are charged when a borrower wants to take out another home loan to pay for their current mortgage deal. This typically happens when borrowers find a better mortgage rate for refinance (leading to potential mortgage savings) and other benefits. Typical refinance costs include, but not limited to loan submission fee, establishment fee, property valuation and rate lock fee.

Do I have to pay for a home inspection when refinancing?

When browsing affordable loan refinancing options, one of the factors to consider to calculate the total refinance home loan cost is the valuation fee. In some cases, a home inspection may be required by the lender to confirm if the property fulfills its loan to value ratio (LVR) requirement.

An LVR is how a lender typically determines the risk of the loan. It is calculated by the value of the loan divided by the value of the property. For example, a $200,000 loan for a property valued at $250,000 represents a 80% loan to value ratio.

How do I choose the right lender to minimise refinance costs?

Reducing mortgage refinance costs means that borrowers should find a lender and offer that can provide a lower interest rate, a different loan term, additional features, or greater flexibility in repayments.

Traditionally, you could choose the right lender and lower your refinance home loan cost by spending hours compiling eligibility requirements, quotes for home loan refinance fees, and crunching numbers on an online refinance calculator. However, wouldn’t you rather have suitable options presented? This is where we at Craggle come in. Through our mediation and facilitation, we can leverage your bargaining power and pool it with other like-minded homeowners in a similar situation. This way, lenders can see the collective value of a community of borrowers and then get the chance to provide you with fairer deals. All that’s left for you now is to choose which option suits your current situation the best.

Craggle: shaking up contemporary systems

In the fast-paced and vast world of finance, borrowers often feel overwhelmed and alone, especially when trying to secure suitable home loan refinance deals. But what if there was a way to level the playing field with an impartial mediator you could trust?

At Craggle, we aim to revolutionise the way Australians look for new mortgage offers to cover their old ones. Not just focused on refinance rates or the general refinance home loan cost, we want to give you and many others a chance to take back control, utilising the strength of our ‘crowd haggling’ approach.

Disclaimer: Unless specifically stated otherwise, the opinions shared on this platform are exclusively intended for general informational and entertainment purposes. Furthermore, they should not be construed as individualised financial advice or recommendations of any kind. It’s also important to note that the opinions presented in this article may be subject to change without prior 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!