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Scam alert: NEVER share your one-time password (OTP) with anyone, even if they claim to work for Bank Australia. Read more on how to protect yourself.

2023-12-22 2:05 pm
Alert notice

Effective from 5 December 2024, Bank Australia will change the name of the Premium Home Loan Package to Offset Home Loan. Read more about our home loans.

2023-06-23 12:09 pm

Refinance a home loan

Where you choose to bank has a ripple effect. See what's involved in switching home loans.

Apply
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Why us?

Your home loan is probably the biggest investment you'll ever make.
Refinance and align your home loan with your values by banking with clean money.
Read more about clean money
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Compare rates and home loans


Home loans for different needs including our low rate Basic Home Loan, Offset Home Loan, and our reduced rate Clean Energy Home Loan.

See all rates and fees.

What's involved in switching your home loan to the clean money bank?

Do your maths with our home loan refinance calculator.

Complete this form and we'll contact you to arrange a meeting to talk through home loan refinancing. We'll share what to bring to this meeting.

It’s all online and over the phone. We’ll tell you which documents to bring so we can help assess your situation and, if it’s the right option for you, lodge your application.

We take care of everything from here. We’ll make sure your application adheres to our responsible lending criteria, and deal with your existing bank.

Congratulations! We’ll contact you when your loan is approved and provide instructions on how to accept your loan contract.

We work with your previous bank to bring your loan across. All you need to do? Be proud your home loan is doing good things for people and the planet.

Compare your home loan

Use our home loan refinance comparison tool to check whether you’re already on a competitive rate.


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Above: Amalia, Small Matters, Bank Australia customer

Customer story

Amalia from Small Matters

"The main thing for us was that Bank Australia was not investing in fossil fuels, but we just really love that Bank Australia are making the world a better place".

Read more impact stories

Things you need to know

GENERAL ADVICE

  • Any information and advice does not take into account your personal needs and financial circumstances and you should consider whether it is appropriate for you and seek any third party advice you need.
  • Before deciding to apply, we provide and recommend you read our Financial Services Guide.
  • All applications are subject to a credit assessment and approval. Terms and conditions apply. All applicable terms and conditions will be included in our loan offer.
  • Additional fees and charges may be payable – all relevant details will be included in our loan offer.
  • Information and interest rates are current as at the date of publication and are subject to change at any time, at the discretion of Bank Australia Limited.
  • This document does not constitute a contract for finance.
  • * Comparison Rate: The Comparison Rate is based on a loan of $150,000 for 25 years. Fees and charges may be applicable.

    IMPORTANT: The Comparison Rate applies only to the example given. Different amounts and terms will result in different Comparison Rates. Costs such as redraw fees, early repayment fees, and cost savings such as fee waivers, are not included in the Comparison Rate but may influence the cost of the loan.
  • Terms and conditions, fees and charges apply. Loans subject to normal lending criteria and approval.
  • Rates apply to new applications received as per effective date set out above however are subject to change at anytime.