LendChat
LendChat/Refinance rates
For homeowners chasing a better rate

Stop rate-shopping
one bank at a time.

You've been checking rates. A broker checks all of them — 30+ lenders in one free chat — and finds the sharpest rate you'd actually be approved for. No forms, no phone tag.

The whole market, once
One conversation compares the panel, not one bank.
Your real rate
Not the ad rate — the one you'd be approved for.
Compare my rate free

No credit check to chat.

Australian Credit Licence 558418·We work for you, not the lenders
Are you overpaying?
Set your rate and balance to see the gap.
Loan balance
Your current rate
Compared to a sharp refinance rate around 5.69%.
You could be overpaying
$367/mo
About $4,400 a year versus a sharper rate.
Get my real rate

Indicative only. Actual rates depend on your full circumstances and lender approval.

Why DIY rate shopping costs you

Chasing rates yourself
is slower — and pricier.

Refinancers who shop one lender at a time hit the same three walls. A broker sidesteps all of them for you.

the ad rate trap

The advertised rate isn't your rate

Headline rates assume a perfect borrower and an 80% LVR. The number you'd actually be offered depends on your equity, income and the lender's current policy. A broker gets you the real figure — not the billboard one.

Big-bank carded variable rates often sit 0.5–0.8% above the sharpest refinance rates on the market.
apply once

Every application dings your credit

Applying to bank after bank to test rates leaves a trail of credit enquiries that can actually count against you. A broker narrows it to the one lender most likely to approve you — so you apply once, cleanly.

One well-matched application beats five hopeful ones on your credit file.
unadvertised deals

The best pricing isn't on the comparison sites

Lenders quietly offer sharper pricing and cashback through broker channels to win refinancers. You won't see those on a public rate table. A broker sees the whole panel — including the deals you can't Google.

Lenders are currently paying $2k–$4k cashback to win refinancers.
One chat vs the whole afternoon

Doing it yourself
vs a broker doing it for you.

Same goal — the lowest rate you can actually get. Very different amount of your weekend.

Shopping it yourself
With a LendChat broker
Lenders compared
One at a time, whoever you call
30+ across the panel, in one chat
The rate you see
The advertised rate
The rate you'd actually be approved for
Credit enquiries
One per lender you apply to
One, to the best-matched lender
Cashback & unadvertised deals
Whatever's on the public page
Broker-channel offers included
The paperwork
Yours to chase
The broker handles it
What it costs you
Your time
Nothing — the lender pays the broker
Want the full break-even maths — costs, cashback and how long it takes to pay off? See the refinance savings calculator.
Start the comparison
How it works

From “am I overpaying?”
to a sharper rate.

Four steps, and the broker does the heavy lifting on all but the first.

01

Tell us your rate

Drop your current lender, rate and rough balance into the chat. That's all a broker needs to see whether there's a gap worth chasing.

02

A broker shops the panel

They compare your loan against 30+ lenders — including broker-channel pricing and cashback you won't find on a public rate table.

03

You get your real rate

Not an ad rate — the sharpest rate you'd genuinely be approved for today, with the switching costs laid out plainly.

04

They handle the switch

If it stacks up, the broker manages the application, valuation and paperwork. Old loan out, new one in — usually 4–6 weeks.

Rate shopper FAQs

Comparing refinance
rates, answered.

A LendChat broker compares your loan against a panel of 30+ lenders and surfaces the sharpest rate you'd actually qualify for — including broker-channel pricing you won't see on a public comparison table. We're not a rate-comparison website; a licensed broker does the shopping and the negotiating for you.

Advertised rates assume an ideal borrower at 80% LVR. Your real rate depends on your equity, income, loan size and the lender's current policy — and lenders often offer sharper pricing through brokers than they publish. A broker gets you the actual number, not the billboard one.

In mid-2026 the sharpest variable refinance rates sit around 5.7%, well below the big banks' carded rates which are often above 6.5%. Rates move weekly and the one you'd get depends on your circumstances — a broker checks the live panel against your specific situation in one chat.

No. Chatting to a broker and getting a rate comparison involves no credit check. A credit enquiry only happens when you formally apply — and because a broker matches you to the right lender first, you apply once instead of testing your credit against bank after bank.

Yes. Several lenders are currently offering $2,000–$4,000 cashback to win refinancers, typically on loans of $250k or more at 80% LVR or below. A broker tells you which offers you qualify for and whether the cashback actually beats a lower ongoing rate.

Nothing. Brokers are paid a commission by the lender at settlement, not by you. The rate comparison and the conversation are free whether you switch or not.

Rates, cashback offers and figures on this page are indicative of the mid-2026 market and change frequently. This is general information within Australian Credit Licence scope and is not financial, tax or credit advice. Any refinance is subject to your individual circumstances and lender approval.

See your real rate
in one chat.

Tell a broker your current rate and they'll compare the whole panel against it. Free, no credit check, no obligation to switch.

Compare my rate free
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LendChat is a referral service that connects you with a licensed mortgage broker. Mortgage broking is provided by Hausing Mortgage, Australian Credit Licence 558418. LendChat may receive a fee for referrals.

Information on this site is general in nature and does not consider your personal objectives, financial situation, or needs.

Contact: info@lendchat.com.au

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Compare Refinance Rates Australia — Get Your Real Rate | LendChat