Finance · Australia
Refinance Your Loan — Save Thousands
Refinance your home, commercial, business or asset loan to a better rate, longer term, or out of a private lender.
Quick answer
OzyLoans refinances home, commercial, business and asset loans across 70+ Australian lenders. Most refinances complete in 4–8 weeks and can deliver rate savings of 0.50–1.50% p.a., debt consolidation, or equity release for renovation, investment or business.
Why Refinance with OzyLoans
- Bank-to-bank refinance
- Private-to-bank take-out
- Cash-out for renovation/business
- Debt consolidation
Repayment calculator
Indicative only. Actual repayments depend on lender, credit profile, fees and product. Use this as a starting point — we'll provide a precise comparison on enquiry.
Lender comparison
| Lender | Rate | Speed |
|---|---|---|
| Major bank | 6.19% | 4–8 wks |
| 2nd-tier bank | 6.49% | 3–6 wks |
| Non-bank | 6.99% | 2–3 wks |
| Private credit | 8.49%+ | 5–10 days |
Indicative only. Actual rates depend on credit profile, security and product. Comparison rates may differ.
ACL #485752
Australian Credit Licence holder, AFCA member.
24-hr indicative
Most enquiries get a same-day or next-day answer.
70+ lenders
Banks, non-banks and private credit on one panel.
Frequently asked
When should I refinance?+
When your rate is more than 0.30% above market, when fixed rates are about to roll off, or when you want to access equity for renovation, investment or business.
Can I refinance out of a private lender?+
Yes — private-to-bank take-outs are one of our specialties. We engineer refinance to a longer-term bank or non-bank facility before your bridging loan matures.