Your bank won't tell you if you're paying too much
We will!
Why pay more than you have too?
When was the last time you got a call from your bank telling you they are dropping your interest rate?
The truth is that most of us just "set and forget" our home loan and don't realise that refinancing could save you thousands.
As time marches on, situations change. Perhaps your borrowing power has increased, your loan has reduced, or your property value has grown. Maybe you want additional funds for that new bathroom or kitchen or maybe you just want a lower rate or different loan features.
A shift in circumstances may mean it's time to revisit your home finances. For many, the idea of refinancing a mortgage can be daunting, but it doesn't have to be with the help of a Zuu Money Finance Specialist.
By refinancing your loan not only can you save thousands in interest, but you might pay off your mortgage faster, refinance debt, or renovate to your home. See how much you can save by getting started online today.
Get started online or contact us for help
Featured Product
5.74%
PER ANNUM
Variable*
5.77%
PER ANNUM
Comparison Rate^
Or up to
$3,000
Cash Back
A fully flexible, fee free home loan!
Variable rates offer great flexibility with unlimited extra repayments and free online redraw. Contact Zuu Money today to see if a variable rate home loan is right for you.
Frequently asked questions
Can I get a mortgage where I pay less than I’m paying now?
In most cases we are able to refinance our customers to cheaper home loans, savings you thousands. It will depend on what interest rate you’re currently paying, what type of home loan you have (e.g. fixed, variable, interest only, line of credit), and the loan features you want. Contact us today and we can tell you about the latest offers over the phone.
Can I consolidate credit card or other debts into a home loan?
This is one of the big reasons people refinance. The advantage is that you pay a much lower interest rate on a mortgage than for most other forms of debt – e.g. credit cards, overdraft facilities, personal loans, etc.
Providing you have sufficient equity in your property, you may be able to consolidate all your debt into your home loan. If you take this option however it's important to make regular additional payments, or you could end up paying more interest on your consumer debt in the long run. Get specialist advice on debt consolidation by contacting a Zuu Money Finance Specialist today.
Can I borrow additional funds for home improvements or a caravan?
Absolutely you can! You might like to renovate your bathroom, purchase a new motor vehicle or pay for that up-and-coming wedding. There are some restrictions on what you can use equity release for, so it's best to give us call and we'll guide you through the process.
How much can I borrow?
We’re all unique when it comes to our finances and borrowing needs. Your borrowing capacity is determined by your level of income and regular ongoing commitments. Contact us today and we can calculate your borrowing capacity based on your individual circumstances.
How do I choose a loan that’s right for me?
Your Zuu Money Finance Specialist is available to guide you through your lending options based on your individual needs. There are hundreds of different home loans available, so talk to us today about the right solution for you.
How much will regular repayments be?
There are many different types of loan products with varying interests which will impact your repayment amount. Talk to us today about the products currently available that suit your lending needs, and we’ll calculate the repayments for you.
How often do I make home loan repayments — weekly, fortnightly or monthly?
Most lenders offer flexible repayment options to suit your pay cycle. Aim for weekly or fortnightly repayments, instead of monthly, as you will make more payments in a year, which will shave dollars and time off your loan.
What fees/costs should I budget for?
Depending on your loan, penalty fees could apply if you’re paying off your current mortgage early. But these may be offset by repayment savings when you switch home loans. We’ll walk you through any fees that could apply to your circumstances.
Save over $6,400 per year* on the average Australian mortgage.
Simply by refinancing your home loan to a more competitive lender
*Savings amount based on 1% rate reduction for the average Australian mortgage $640,998 (ABS July 2024)
Hundreds of loans from Australia's top lenders
You don't need to run from bank-to-bank to find the best deal. Our team of mortgage specialist will compare hundreds of loans from Australia's top lenders and present you with a range of options that suit your lending needs.
The choice is yours!
We'll compare your loan against hundreds of home loan offers in the market to ensure you're getting the best deal. We'll provide you with a shortlist of suitable loans to meet your budget and lending requirements all from the comfort of your home.
We make refinancing your home loan simple! Start savings by getting started online or talk to one of our home loan experts.
A service worthy of 5 stars
* Discounted rate available for owner occupied on Principal and Interest repayments with minimum loan size >$150,000 with borrowings <60%LVR. Rate subject to change without notice. Lender credit criteria, fees and charges apply. Zuu Money Pty Ltd does not endorse any particular lender. A product will be recommended based on your personal financial situation.
^ Comparison rate is calculated on a loan amount of $150,000 for a term of 25 years based on monthly repayments. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.
Become a Broker
Zuu Money Pty Ltd ABN 66 670 119 105, Australian Credit Licence Number 567690.
Lender credit criteria, fees and charges apply.
The Zuu Money logo is a registered trademark of Zuu Money Pty Ltd. All rights reserved 2026.
| Terms and Conditions | Privacy Policy | Complaints