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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 Make The Most Out Of Your Refinance Home Loan Offer With Craggle

Navigating the intricacies of mortgage rate refinance offers can feel like charting unknown territory. But with Craggle by your side, you’re never alone. We turn the daunting into the doable. At the heart of our approach is the power of crowd haggling, a community effort aimed at ensuring every Australian gets a fair go with a better refinance home loan offer.

A comprehensive guide to refinancing

Navigating the refinance roadmap

Thinking about taking a refinance home loan offer?

Jumping straight into a mortgage refinance without some groundwork is not a good plan. Start by identifying your refinancing goals. It could be to aim for better loan features, change your loan term, or consolidate debt. Setting a clear objective early on can save you a lot of guesswork later.

Next up, scrutinise your credit history for any errors or inconsistencies so you don’t miss out on any sweet deals. The better your credit score, the better your chance of getting a more favourable mortgage refinance rate.

It’s crucial to research and compare loan offers. This is where Craggle comes in! Craggle helps engage in some digital detective work on your behalf. Undertaking the research yourself online could take a lot of time, with many options to try to unpick, whereas for only five minutes of your time to sign up to Craggle, we do a lot of the heavy lifting for you.

Once Craggle puts some options forward to you, you can then decide between a sweetened offer from your current bank or a new rate from a different bank. If you decide to refinance, a Craggle partner will help you get your documentation sorted and dive into the online application. Once approved, the transition phase, known as ‘settlement’, where your new lender coordinates with the old one, becomes a breeze.

Craggle-tastic refinancing benefits

So, why is a home loan refinance the talk of the town? Here’s the scoop from the Craggle crew:

Securing a lower interest rate often translates to substantial savings over the life of the loan. Renegotiating a better deal on your home loan with your current provider not only means you don’t have to refinance (saving you time and effort), but it can also help you expedite the repayment of your home loan or reduce monthly payments courtesy of extended duration.

This way, you might find a tad more wiggle room in your monthly expenses, letting you allocate funds elsewhere or even consider that dream vacation you’ve been postponing.

Plus, if you’re inclined to switch from a variable rate to a fixed one, a refinance home loan offer brings that flexibility to the table. In the vast world of home loan refinance options, it’s reassuring to know that Craggle has got your back.

Our approach to home loan refinancing

The power of collective bargaining

Craggle understands the importance of tapping into community power. Our platform groups borrowers with similar loan values and aspirations for an ideal match. By pooling like-minded customers, we amplify their collective voice, improving their chances of getting a fair deal.

This combined clout gives our community better negotiating power, allowing them to get a lower interest rate, additional features, a different loan term, or greater flexibility in repayments.

Refinancing, the Craggle way

With a platform designed for clarity, we cut through the jargon of getting a refinance on mortgage, enabling customers to easily compare lenders and land a refinance home loan offer that works for them.

Then there’s the Craggle Event, which is where we gather the community’s accumulated loan values to help us negotiate a fairer deal with lenders. These events are timed to provide ample opportunity for lenders to present their best deals without keeping our borrowers waiting too long.

We gather crucial details upfront, ensuring that offers reflect a thorough understanding of each client. In the end, you’ll get a tailor-made offer that works for the most important Craggler – YOU!

Frequently Asked Questions (FAQ)

How long does it take to get approved for a refinance?

The time it takes to approve a refinance home loan application may vary depending on the lender’s policies and the borrower’s situation.

Craggle Events are timed, so you won’t have to wait too long to get a fair deal from a lender. Once you’ve accepted a loan offer through us at Craggle, your chosen bank will reach out to you within forty-eight hours to get you into your new rate.

What documents do I need to refinance my home loan?

The specific documents required may vary depending on the lender and the type of loan offer. The general checklist includes:

  • a piece of personal identification, such as a driver’s licence, a passport, or even a birth certificate;
  • proof of income, like the latest couple of payslips or a letter from your employer acknowledging your earnings;
  • a detailed summary of your living expenses; and
  • a list of your existing liabilities.

How do I choose the right lender for my refinance?

Selecting the right lender for your refinance is crucial for the long term. To ensure your refinance home loan offer is top-notch, keep these tips under your hat:

  • Compare, compare, compare! Cast your net wide when scouring for the best home loan refinance rates.
  • Seek a lender with the bells and whistles you desire, be they offset accounts, redraw facilities, or the freedom to make additional repayments.
  • Use Craggle to collaborate with other borrowers and negotiate better terms with your current lender or refinance with a new one that better suits your needs.

Craggle: empowering your refinancing journey

As a mediator between you and your lender, Craggle is your ticket to a fair go on your home refinance home loan offer.

We tap into the collective strength of Australians with similar loan values, ensuring you don’t have to wrestle with finding a better mortgage rate for refinancing all alone. Together, we elevate your bargaining capacity. Choose wisely, choose fairness, and choose Craggle.

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!