Refinance your home loan online

Have you outgrown your current home? Ready to purchase something bigger, or just looking for a change?
Lower your interest rates.
Finance renovations and home upgrades.
Shorten the term of your mortgage.

Why do you want to refinance?

The first step to refinancing is understanding your needs. Then you can identify which home loans are best suited to your financial goals.
Pay less each month
A lower interest rate can help reduce your monthly repayments and free up cash flow each month.
Pay off the loan sooner
There are a number of ways you can shave years off your loan and be debt-free sooner.
Get cash out
Accessing the equity in your home loan can free up cash you could use to do repairs, renovate your home, or buy another property.
Consolidate debt
Combining debts like credit cards, personal loans or car loans into your home loan can reduce the total amount of interest you pay.
Talk to a loan advisor

Why do you want to refinance?

Low interest rates
We can offer rates much lower than some banks and lenders. Fewer overheads mean doing business costs less and those savings translate directly into lower interest rates and fees so you can save when buying your next home.
Flexible options
We offer great low rates on our fixed, variable, and split home loans for your next home purchase. We also offer discounts for large deposits or customers with owner-occupied and investment properties, so it could be worth considering keeping your existing property as an investment to access some loan discounts.
Award winning
Many customers who joined us years ago continue to finance their new home purchases with us, plus we are also recognized by the experts. By keeping interest rates low and providing exceptional service, we keep on winning awards for our loans, extras, and innovations, year after year!
MortgageBiz advantage
Our online app allows you to complete your home loan application on your device from initial contact through to settlement and beyond. In MortgageBiz's app, you can complete your application in your own time, and you can always upload sections and come back at a time that suits you as you focus on other aspects of buying a new home.
Australian based support team
We have an experienced, Australian based team. At every step of the home purchase journey, you’ll talk to a real person from our friendly team of lending specialists who are here to help you get a low rate home loan as quickly as possible, so you can get the keys to your next property.
We deal with your existing lender
With a quick and easy refinance process at, we'll handle dealing with your old lender and do all the hard work for you, so you can stop paying higher interest rates in no time.
How it Works

Our Refinance Process makes refinancing simple so you can stop paying too much on your loan. Go from application to settlement in a few steps.
1. Apply online
Our loan application process is entirely online via our innovative web app.
2. Talk to a lending specialist
Talk to a lending specialist in our Australian-based call center.
3. Goodbye paperwork!
Upload your documents and track your progress in the app.
4. Quick payout
Upload your documents and track your progress in the app.
5. Smart Money
Access your new account via Online Services.

Get started

Apply online or speak to one of our Australian based loan specialists who will take care of all the paperwork for you. Applying is easy and we can settle your loan quickly so you start saving sooner. With you can have confidence in dealing with Australia's largest non-bank lender.
How much can I borrow?
It takes less than 3 minutes to calculate your borrowing power!
Ready to apply or want pre-approval?
Give us a call on 1300 149 149 or start an online application.

Why you should choose MortgageBiz

We have digitised the whole home loan process so that you can search, compare and apply with confidence at your own pace, in your own time.
  • Personalized home loan offers.

  • We have a 100% loan approval rate.

  • 60+ leading Mortgage lenders.

  • Your own dedicated home loan specialist.

  • Search has no impact on your credit rating.

What is refinancing?
Refinancing lets you change your home loan to suit your new circumstances. MortgageBiz recommends an annual Home Loan Health Check by your local expert to assess whether the original home loan you chose is still the most suitable option for you.
How does refinancing work?
When you take out a new home loan, you use some or all of the funds to pay out your existing loan. The new loan often comes from a different lender, but many people refinance with the lender they've been using for years. If you move to a new lender, that lender will take care of paying out your existing loan.
What type of things do people refinance for?
Home loan refinancing may be used for different reasons including:

* Renovating your home or other home improvements such as a pool.
* Paying off your debts such as credit cards by rolling them into your home loan.
* Obtaining a cheaper rate, even if it means giving up a few loan features.
* To raise cash for a purchase such as a car.
* You want to switch from a variable rate to a fixed rate, perhaps because you can want to reduce the risk of higher repayments.
Should I refinance with interest rate rises?
When the Reserve Bank of Australia (RBA) raises its interest rates, banks and other lenders usually follow suit by increasing your mortgage repayments. Refinancing your home loan from a variable to a fixed rate can provide certainty with your repayments.
What do I need to consider when refinancing?
When done properly under the right circumstances, loan refinancing can be very beneficial. However, there are drawbacks involved - namely the cost.

The reasons for refinancing should be legitimate and the calculations need to be run to ensure the long term savings outweigh the short-term costs.
What government fees occur when refinancing?
Government fees aren’t always applicable when refinancing. However, if you increase the size of your loan when refinancing, stamp duty may be payable. You may also need to pay a Mortgage Registration Fee which is imposed by the Land Titles Office (or equivalent) for registering your mortgage onto the title record for the property.
How to refinance my home loan?
You can refinance your home loan with MortgageBiz with all the paperwork and running around done by us at no cost to you. Simply contact us and we will help you find the refinance option right for you.

Frequently Asked Questions

Can’t find the answer? Reach out to our customer support team.

Need some help?

Our experts will help you search, choose and settle your home loan online. Chat to one of our Home Loan Specialists at a time that suits you.