Your home loan should work as hard as you do
We'll compare your current loan against 45+ lenders and show you exactly what you'd save — and whether switching is genuinely worth it.
Free. No credit check. Takes 2 minutes.
Trusted by 1,000+ Australian homeowners
Accredited with Australia's leading lenders
45+
Lenders compared
$312*
Average monthly saving
2 min
To check your savings
$0
Cost to you
*Indicative. Depends on current loan and lender assessment.
Accredited with Australia's leading lenders
Sound familiar?
Your bank rewards new customers. Not you.
You've never missed a payment. Your rate went up anyway.
Banks reserve their best rates for new customers. Existing borrowers pay the loyalty tax — sometimes 0.5%–1.0% above what a new customer gets for the same product.
You called to negotiate. They offered 0.1% off.
Retention offers are designed to keep you quiet, not to give you the best deal. We compare your loan against the full market — not just your bank's counter-offer.
You haven't checked in three years. The market has moved.
Rates, policies, and your own financial situation change. A loan that fit three years ago might be costing you thousands more than it should today.
Refinancing isn't about switching for the sake of it. It's about knowing whether you're getting a fair deal — and acting if you're not.
Simple by design
Three steps to a better deal
Tell us about your current loan
Your current rate, lender, loan balance, and what matters to you — offset, redraw, fixed or variable. Takes 2 minutes.
We compare against 45+ lenders
We scan live rates and policies across our full panel and show you what you'd save — monthly and over the life of the loan.
Switch — or stay informed
If switching saves you money, we handle the application and settlement. If it doesn't, we'll tell you that too. No pressure either way.
No commitment. No credit check. Honest answer either way.
Behind the scenes
What we compare — so you don't have to
Rate comparison
Your current rate vs the best available across 45+ lenders — variable, fixed, and split options.
Feature comparison
Offset accounts, redraw facilities, repayment flexibility, fee structures — not just the rate, but the whole product.
Cost-to-switch analysis
Discharge fees, break costs (if fixed), new lender fees — we calculate the total switching cost and show you the net benefit.
Break-even timeline
How many months until the savings outweigh the switching costs. If it's not worth it yet, we'll tell you when it will be.
Refinancing as a doctor, dentist, or health professional?
You may qualify for our exclusive medico lending policy — up to 95% LVR with no LMI, HECS excluded, and a dedicated relationship manager for ongoing rate reviews. Even if you're already on a good rate, our medico policy may unlock better terms.
Allied health professional? See allied health home loans →
From homeowners who switched
They were paying too much. Now they're not.
I'd been with my bank for six years. Never checked. Wity showed me I was paying $340 more per month than I needed to. Switching took less effort than I expected.
I called my bank to negotiate and they offered me 0.15% off. Wity found me 0.6% lower at a different lender with better features. The savings paid for our family holiday.
As a GP, I didn't realise I still qualified for medico rates even though I'd already settled. Wity refinanced me onto the medico policy and saved me $18,000 in LMI I'd already paid on my original loan.
I'd been with my bank for six years. Never checked. Wity showed me I was paying $340 more per month than I needed to. Switching took less effort than I expected.
I called my bank to negotiate and they offered me 0.15% off. Wity found me 0.6% lower at a different lender with better features. The savings paid for our family holiday.
As a GP, I didn't realise I still qualified for medico rates even though I'd already settled. Wity refinanced me onto the medico policy and saved me $18,000 in LMI I'd already paid on my original loan.
I'd been with my bank for six years. Never checked. Wity showed me I was paying $340 more per month than I needed to. Switching took less effort than I expected.
I called my bank to negotiate and they offered me 0.15% off. Wity found me 0.6% lower at a different lender with better features. The savings paid for our family holiday.
As a GP, I didn't realise I still qualified for medico rates even though I'd already settled. Wity refinanced me onto the medico policy and saved me $18,000 in LMI I'd already paid on my original loan.
I'd been with my bank for six years. Never checked. Wity showed me I was paying $340 more per month than I needed to. Switching took less effort than I expected.
I called my bank to negotiate and they offered me 0.15% off. Wity found me 0.6% lower at a different lender with better features. The savings paid for our family holiday.
As a GP, I didn't realise I still qualified for medico rates even though I'd already settled. Wity refinanced me onto the medico policy and saved me $18,000 in LMI I'd already paid on my original loan.
4.9
Average Google rating
1,000+
Homeowners helped
98%
Client satisfaction
Common questions
Thinking about refinancing? Start here.
Ready to check?
You could be saving hundreds every month
Two minutes. That's all it takes to see what 45+ lenders would offer you today.
Free. No credit check. Honest answer either way.
Refinancing may involve fees including discharge fees, break costs (for fixed-rate loans), and government charges. Savings are indicative and depend on your current loan, new loan terms, and lender assessment. The information on this page is general in nature and does not constitute personal financial advice. Wity is the trading name for Wity Pty Ltd ACN 624 943 559 | Authorised credit representative 508333, a related body corporate of NF84 Pty Ltd (NF84), which holds Australian Credit Licence 531736. Wity and NF84 are subsidiaries and related body corporates of NF84 Pty Ltd (ACN 629 183 633).