Refinance Your Home Loan Today

Sit back and relax while we find you a great home loan

Why use a genius koala?

We compare, you save

We'll find a great deal from over 27+ lenders (from big banks to building societies, credit unions and specialist lenders) which can save you serious money on your home loan.

Low rates

We combine cutting edge technology with our experienced team to find you the lowest possible rate for your circumstances

Protect your credit score

Applying for a loan won’t impact your credit score until you are ready to proceed

No nasty surprises

All lender fees and charges are fully disclosed upfront so you know exactly what it’s going to cost.

Easy. Apply in 10 minutes.

We’ve built a simple, easy and secure online system to fast track your loan request


We can help accelerate the approval process so you get into that dream home fast.

We aren’t owned by a bank

Our geniuses will provide you with advice that’s free of the shackles of big bank ownership.

Your Best Interests

We are legally obligated to act in your best interests and put you first. Banks don't need to do this.

Great Customer Service

We get a buzz from our happy clients

Superhero Loan Comparison Genius Koala

How we find great rates

Step 1. Complete our online application

It only takes 10 minutes to kickstart the process. Includes a FREE no obligation consultation with a certified Genius.

Step 2: We search for the right lenders

Our geniuses go to work to find the right deal for your situation from a panel of over 27 lenders. All without hurting your credit rating.

Step 3: Choose your loan

We’ll present 3 great options and help you chose your preferred lender with complete transparency of rates and fee’s.

Step 4: Buy your home!

Sign the loan documents and buy that dream house (or refinance) knowing you've saved serious money on your home loan.


Refinancing your home loan just means that you take out a new home loan to replace your old one. But why would you do this we hear you ask? There are a lot of really good reasons. Here are just a few:

1. To reduce your loan costs

With interest rates falling over the last few years you can sometimes refinance your home loan at a lower interest rate. This could make your home loan repayments lower. Or you could elect to keep your monthly repayments the same and pay off the loan sooner. This will mean you own your own home or investment property sooner. That’s got to be good!

2. To free up some equity

If you’ve paid off a good portion of your home loan you may be able to use this equity for other things like a home renovation or anything else you can imagine.

3. Consolidate debts

You might have other types of loans like personal loans or credit cards. When you refinance you may be able to combine these debts with your home loan. This usually means a lower monthly interest bill because home loans generally have a lower interest rate than personal loans and credit cards. But remember, you’ll be paying these debts off over a longer period so you may pay more interest over time.

4. Take advantage of special offers

Sometimes lenders offer special discounts to new customers like cashback or lower interest rates. Refinancing to a new lender may let you enjoy these special perks but it’s important to understand the loans overall cost.

5. Get better loan features

Switching to a different home loan lender may allow you to make extra repayments, access redraw facilities or use offset accounts. These features can help you pay off your loan sooner or better manage your repayments.

When you take a new loan the lender will usually do a credit check. This credit check inquiry will be listed on your credit history. Because of this it’s best not to do a lot of credit checks because it could impact your credit score. This is why it’s smart to use a service like ours as we can assist the process and avoid multiple lenders doing credit checks.

Our expert services are free for most home and investment loans. We get paid by the lender for doing the work that would otherwise be done by a bank or lenders administration staff so you pay the same rate (or sometimes better) as if you went to the lender directly.


The Loan Comparison Genius key difference is that, unlike a bank, we can help you choose from a wide variety of lenders and get the best option for your needs from our panel of over 27 lenders.


We will only charge an administration fee for certain types of personal loans, business loans or short term loans. If you refinance or exit a home loan that we arrange within the first two years we may charge you a brokerage fee.


So, sit back and relax while we do all the hard work of finding you a great home loan for your situation from our panel of lenders.

Let’s face it - getting a housing loan is a big deal. It’s one of your biggest monthly expenses! If you shop around you can save serious money. However, shopping around can be confusing and time consuming. At Loan Comparison genius we take the pain out of getting a home loan. We do the hard work for you so you can skip hours of work when you apply online.


We’ll listen to your situation and find the best match for your personal circumstances from our panel of over 27+ lenders (from big banks, credit unions, building societies and specialist lenders).

Loan Comparison Genius is 100% privately Australian owned. We aren’t owned by the banks or other lenders so we are free to act in your best interests. Our credit representative number is  528539 authorised under Australian Credit License 383640.