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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.

ALEX S - SA

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

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

ABBY Y - NSW

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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

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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!
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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 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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Refer a friend for $100*
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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Discover Craggle’s Unique Approach To Refinance In Mortgage Banking

Ever think you’re overpaying on that mortgage? You’re not alone! Many other homeowners, just like you, are itching to step up their mortgage game and refinance their mortgage. Fortunately, with Craggle by your side, you’re not navigating those tricky waters alone.

Get expert insights into refinancing right here. Learn how Craggle, along with a community of homeowners, can help you find a fairer refinance deal. Keep reading and learn how you can save money!

Why refinance a mortgage?

If you’re considering to refinance your mortgage for the first time, you might be curious about why many homeowners take this route. But before we get into it, let’s first clarify what a refinanced mortgage is.

Think of it as upgrading to a better software version for your computer. Refinancing a mortgage is pretty much swapping out your current home loan for a shiny new one, often to snag a sweeter deal or more flexible terms. This opens up your finances so you can make long overdue renovations, car upgrades, or even invest in a new property.

With that picture in mind, let’s chat about why refinancing might be a smart move for you:

Getting better rates

You know how wise shoppers wait for the big sale? That’s a bit like homeowners keeping tabs on mortgage rates for refinance. When those rates take a dip, it’s a golden chance to cut down on those interest costs throughout the loan.

Streamlining monthly expenditures

Just as businesses shuffle things around to work more efficiently, refinancing can help tweak your financial commitments. By maybe stretching out your loan a bit, those monthly payments start feeling a tad lighter. It’s all about striking that sweet spot between immediate ease and a longer game plan.

Accelerating the path to ownership

Ever seen someone fast-track a project because they’re so excited to see the result? Cutting down your loan term when you refinance in mortgage is kind of like that. Sure, you might pay a bit more each month, but the thought of ditching that mortgage earlier and spending less on interest in the long run? That’s some serious motivation.

The bottom line is that people refinance for different reasons. Whether your reasons align with the ones above or not, make sure you get a deal that suits your current situation if you do decide to refinance.

The refinance mortgage process

Now you’ve got a handle on what a refinance mortgage option is and you’re familiar with the different types available. Great start! We now get down to the nitty-gritty: how do you go about the mortgage refinance process?

  1. Set your goal: Are you looking to snag a lower interest rate, hoping to trim your monthly costs, or considering a switch from an adjustable rate to a fixed-rate mortgage? Maybe you're thinking of tapping into your home’s equity. Make sure you know what you’re looking for from the get-go so you can narrow down your refinance options fast.

  2. Consider various options: Don't jump into the refinance pool without testing the waters first. It's wise to compare options. This is where Craggle can come in to help take some of the pain out of the process. Starting with your current lender but also exploring other options, Craggle can give you both renegotiated rates (with your current provider) and refinance options (with new providers) for you to consider. Remember, the best lender offers not just great refinance mortgage rates, but also supportive customer service and top-notch reviews.

  3. Comply with the requirements: If you've chosen to refinance, it's paperwork time. Collect all necessary documents, such as income, expenses, liabilities, and details about your home. Though it may feel a bit tedious, each document you provide helps paint a clear picture of your financial health, bringing you a step closer to refinance in mortgage.

  4. Seal the deal: Crossing the finish line means finalising your new loan. Expect to review and sign a new loan agreement and, in some cases, to cover refinance costs. Even as the new loan process wraps up, continue to make timely payments on your current loan to avoid any hitches.

Start your refinance journey with Craggle

You’ve learned the ins and outs of refinancing. But what if you could make that journey even better? Welcome to Craggle.

We’re here to help you navigate the refinance maze and find more competitive refinance deals for your home loans. The magic of Craggle lies in the power of numbers. Rather than you battling solo for better rates, we rally like-minded individuals together, amplifying our collective bargaining strength. This is our ‘crowd haggling’ philosophy in action.

Here, you’ll get to join ‘Craggle Events’. This is where we showcase our community’s combined loan prowess. Imagine a room filled with potential, with everyone making their voices heard. These events aren’t just for show; they send a loud message to banks about the strength and determination of the Craggle community, driving them to offer better refinance on mortgage deals.

With Craggle, it’s not just about refinancing. It’s about refinancing smarter, together.

Frequently Asked Questions (FAQs)

How does refinancing affect my interest rate?

When it comes to refinance in mortgage terms, you’re diving into a new loan, hoping for the best refinance rates out there. Your interest rate can go up or down based on several factors. It pays to consider multiple options across providers and any renegotiated offers from your current provider. Your current lender could offer you a better rate, so you don’t need to refinance!

Your personal financial health, like your credit score and debt-to-income ratio, also plays a role. Thankfully, with Craggle, getting a fairer deal is much easier and faster.

Is it possible to refinance if I’m self-employed?

Being self-employed doesn’t mean you’re out of the refinancing game. It might require a bit more paperwork and a tad more hustle on your part, but many self-employed Aussies refinance their homes or businesses every day. Lenders will typically want a clear picture of your income, so having well-organised financial statements and tax returns will be your best buddies.

Will refinancing affect my credit score?

When you refinance in mortgage, your lender will typically run a credit check. This is known as a ‘hard inquiry’ and it can affect your score. But don’t sweat it too much – this dip is often temporary. Just be mindful not to apply for multiple loans in a short span of time.

On the flip side, if you refinance and secure a better rate, it could lead to lower monthly payments, making it easier to manage debt. And that can have a positive impact on your credit score in the long run.

Join the Craggle community

Sign up now for the Craggle journey, and you’ll be set before your coffee’s done brewing! Just tell us a bit about you and your dream home loan. Relax, we’ve got your back; your info’s safe and sound with us. Together with the rest of the Craggle community, we’re amping up our negotiation game for smashing refinance in mortgage deals.

Ready to be part of the revolution? Let’s do this. Finally, no more endless searches for ‘home loan rate refinance’ and ‘mortgage rate refinance’ online.

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 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 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!