Home loans for different needs including our low rate Basic Home Loan, Offset Home Loan, and our reduced rate Clean Energy Home Loan.
Refinance a home loan
Where you choose to bank has a ripple effect. See what's involved in switching home loans.
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
Compare rates and home loans
Align your home loan with your values
What does your bank invest in?
If the answer includes fossil fuels, weapons, tobacco or gambling, it's likely that the interest you are paying on your home loan is supporting these industries.
Divestment makes a difference
Joining a bank that doesn't fund harmful industries, such as fossil fuels, is a tangible step towards a more sustainable future.
Help make a positive impact
By refinancing and moving your money to Bank Australia, you’re ensuring your money is part of funding a future aligned to your values – renewable energy, not-for-profits, sustainable and affordable housing and much more.
What's involved in switching your home loan to the clean money bank?
Check our refinance calculator
Do your maths with our home loan refinance calculator.
Contact us
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.
Refinance 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.
Verification
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.
Approval and acceptance
Congratulations! We’ll contact you when your loan is approved and provide instructions on how to accept your loan contract.
Settlement
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.
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".
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.