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It only takes 3 mins! Simply answer some questions about yourself and your current home loan for our impartial assessment. 
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We pool like minded customers to increase your bargaining power and gather personalised offers from lenders.

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How Craggling can benefit you

It's free & easy to Craggle!

Looking for a better deal? 

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](https://www.craggle.com.au/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](https://www.craggle.com.au/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!

Craggle: your crowd-haggling hero for home loans

Craggle's services are completely free for Australian customers.

What are Craggle's costs to me?

Craggle is all about providing the easiest way to a great deal, and that means we take safety seriously. We follow the AWS Well-Architected best practices, with a focus on building secure, high-performing, resilient and efficient infrastructure, ensuring the confidentiality of data, protecting systems, and detecting security events as early as possible. We also have a dedicated email if you ever have any security concerns at all, please contact

Is Craggle safe?

One of our Award Winning Brokers will be in touch within the next 4 business hours to discuss further.

What happens after I accept a Refinance offer?

Frequently Asked Questions (FAQ)

A better home loan minus the complexity. Let our platform do the heavy lifting and save today!

Connecting you with a Better Home Loan Deal

Better Home Loan Rates Start Here

Step 1

Tell us about your current Home Loan (<3mins)

Step 2

Craggle negotiates with banks on your behalf

Step 3

Step 4

How Does Craggle Work?

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.

How To Find Home Loan Refinance Offers With Craggle?

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Revolutionising home loans with cutting-edge AI offering personalised, secure solutions for better interest rates, empowering you with smarter financial choices.

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Craggle | Better Home Loan Rates Start Here

MICHAEL R

Craggle - fantastic service - highly recommend them, very efficient, super friendly and a great saving of almost 2% on our home loan rate.

NATY K

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.

JEFF R

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

ALEX S

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.

JOHN O

Very easy to complete the required information and count down clock clever. A far better deal obtained from my current bank so a win win without any hassle.

ABBY Y

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

JUSTIN B

I felt that Craggle was easy to use. quick and very friendly. 


Definitely recommend them to anyone.

SCOTT M

Excellent service. Simply completed an online form and Craggle did the rest to earn me a discounted home loan interest rate. 

I would recommend anyone to take advantage of this service.

ABBY P

Craggle is amazing! They were able to re-negotiate my home loan interest rate from 7.09% to 5.99% without need to refinance. To say I am happy would be an understatement, I accepted that bad boy on the spot!! Highly recommend, especially in these current economic times!

JAMES A

The process was simple and the outcome exceeded my expectations and I was able to lower my loan repayments. 
I got a fantastic offer from my bank to stay with them! 

A better rate and I didn’t have to switch, now that’s what I call simple.

What Our Customers Are Saying

#### The ABCs of home loan refinancing
Home loan refinancing is like a savvy switcharoo in the financial world. It’s all about taking your remaining home loan balance and shifting it to a new lender. But it’s not just about a change of scenery – it’s a strategic move made for a variety of reasons.

This process opens up a treasure chest of refinance options where you can potentially find a more suitable loan term that aligns with your financial goals and lifestyle.

#### What are the potential benefits of home loan refinance?
Here are some perks that can come with home loan refinancing:
- **Money-saving potential**: Refinancing could help you secure better deals, like a lower interest rate, potentially saving you a significant amount over the lifetime of the loan.
- **Borrowing boost**: You have the opportunity to adjust your loan conditions or increase the amount you can borrow. This could help you fund larger projects or investments.
- **Loan restructuring**: Depending on the lender, you could move from principal-and-interest repayments, where you pay off both the loan amount and interest, to interest-only repayments. This switch can ease your financial load in the short term, offering you more flexibility in managing your budget.
- **Bundling bonanza**: Consolidating all your banking business to a single institution could allow you to access package [home loan refinance deals](https://www.craggle.com.au/home-loan-refinance-deals).
- **Debt consolidation**: Refinancing can be a powerful tool for simplifying your finances. By consolidating multiple debts into one home loan, you streamline your repayments, potentially saving time and reducing stress.
- **Feature upgrade**: You’ll also have the opportunity to add features to your loan. For example, you could switch to an offset account, which acts like a savings account and reduces the interest you pay. You could also take advantage of a redraw facility, which allows you to access extra payments made on your loan.

#### What factors determine my eligibility for refinancing?
While each provider has its own criteria, certain factors can help you secure a refinancing option effectively:
- **Equity**: Generally, if you have at least 20% equity in your home, you’re in a stronger position when it comes to home loan refinance offers. This could give you more leverage in negotiations and potentially help you secure better rates.
- **Credit score**: A higher credit score can improve your chances of approval for a [mortgage rate refinance](https://www.craggle.com.au/mortgage-rate-refinance).
- **Income and expenses**: Lenders will typically assess your income and expenses during the refinance process. If your income comfortably covers your expenses, you’re more likely to be approved.

#### How can Craggle help me refinance my home loan?
Many Aussies struggle to find the top lenders for refinancing. At Craggle, we’re here to help you negotiate refinance deals.

Becoming a part of the Craggle family is super quick – all it takes is five minutes! We’ll simply ask a few questions about you and your refinancing plans.

Once you’re in, you’ll unlock the door to a Craggle Event. But this isn’t your typical event. It’s a personalised showcase of home loan refinance offers tailored just for you. You may see a retention [refinance home loan offer](https://www.craggle.com.au/refinance-home-loan-offer) from your current provider (if they’re playing ball) and new offers from third-party providers.

It’s a buffet of [refinance mortgage rates](https://www.craggle.com.au/refinance-mortgage-rates), and you’re the star guest!

You’ll have a full ten business days to think about the offers we present. If you think you’ve found one that fits your financial situation, we’ll pass the baton to your chosen provider. 

If you choose a retention offer, your new rate will be applied within five business days.

If you choose a third-party offer, the provider will reach out to you directly, and this might involve an application process and a formal credit assessment.

So, let Craggle help you compare home loan refinance rates and even possibly secure cash-out refinance benefits. We’re not just a service – we’re building a community where everyone gets a fair go. Whether you’re eyeing a variable-rate [mortgage refinance](https://www.craggle.com.au/mortgage-refinance), a fixed-rate home loan refinance, or just learning how to refinance a home loan for low refinance rates, Craggle is your go-to guide!

#### Frequently Asked Questions (FAQ)

##### Is there a maximum number of times I can refinance my mortgage?
Technically, there’s no limit on the number of times you can refinance your home loan. However, it’s crucial to ensure that each refinance brings you a tangible benefit. It’s not about how often you can do it but how well it serves your financial goals each time.

##### Will refinancing impact my credit score?
Refinancing your home loan does involve a formal credit enquiry, which could be noted on your credit file. But here’s the good news! Regular, on-time repayments to your new lender are a fantastic way to maintain and even improve your credit score. Just remember, it’s important to be ready before you apply to avoid multiple unsuccessful applications.

##### Is my information safe with Craggle?
Absolutely! At Craggle, the security of your data is our top priority. We’ve built a robust and efficient platform that prioritises confidentiality and system protection. We’re always on the lookout for security events to ensure your information stays as safe as a secret handshake. Trust us – we’ve got your back!

_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._

Understanding home loan refinancing

Craggle is a clever little way of putting you back in control of your Home Loan rate!

What are Craggle’s interest rates?

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.

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.