Refinance made easy — only 12 months of loan history required.
Answer a few quick questions to see your indicative new rate. No credit check, no obligation, two minutes of your time.
Your details are used only to prepare your refinance comparison. We'll text a quick verification code to confirm it's you.
You're already on a sharp rate
Based on what you've told us, the Easy Refi rate wouldn't beat what you're already paying — so we won't waste your time pretending otherwise.
A refinance that doesn't feel like a second job
Built for borrowers who just want a better deal — without re-living their entire financial history.
Only 12 months on the books
As long as your current loan is over 12 months old with a clean track record, you're likely a fit — no need to dig up years of history.
Rates from 6.23% p.a.*
Competitive owner-occupier and investment rates, with no application fee and no annual fee for owner-occupiers.
Cash out up to $50,000
Free up to 3% of your property's value (capped at $50k) for renovations, debt consolidation or whatever's next.
Free offset account
Every Easy Refi loan comes with an offset account at no extra cost, plus a Visa debit card for everyday access.
We do the comparing
We benchmark your current loan against the market and handle the back-and-forth — you just sign where we tell you to.
Straightforward eligibility
Credit score above 600, current role or business steady, LVR under 80% — if that sounds like you, you're in good shape.
A short list, not a filing cabinet
Recent payslips, an employment letter, or bank statements showing your salary — pick any two.
Just your current loan statements — no need to dig up years of records.
A simple online verification — no branch visits required.
Four steps, start to settlement
2-minute check
Answer a few quick questions online — no credit check required.
We compare your options
We benchmark your current loan against Easy Refi and the wider market.
We handle the paperwork
Two out of three simple income documents. We chase the rest, not you.
Settle & start saving
Your new loan settles and the savings start from day one.
Before you ask
Your current loan needs to have settled more than 12 months ago with a clean repayment record. From there, we typically only need two out of three simple documents (payslips, an employment letter, or bank statements) plus recent mortgage statements — nowhere near the full history some lenders ask for.
You'll generally need a credit score above 600 and a clean history on your current loan and credit file. We'll confirm exactly where you stand as part of your free assessment.
Easy Refi covers loans up to $3.5 million with a maximum LVR of 80%. If you're above 80% LVR we may still be able to help through a different lender — that's part of what a broker's for.
Yes — self-employed applicants need a minimum 2 years under their ABN. Full-doc and alt-doc options are both available depending on what you can provide.
No — the 2-minute check above is obligation-free and doesn't touch your credit file. We'll only run any formal checks once you've decided to move forward with an application.
Our service is free to you — we're paid a commission by the lender once your loan settles, standard practice across the mortgage broking industry.
What OzBroker clients say
"As a first home buyer, I was initially overwhelmed. OzBroker not only found me a great mortgage deal but also educated me on the process. Highly recommended!"
"I needed to refinance my mortgage, and the service provided by OzBroker made it so simple. Thank you!"
"The mobile mortgage broker service is fantastic! They met me at my office, saving me so much time."
Still paying more than you need to?
Two minutes now could mean thousands back in your pocket every year. No cost, no obligation, no credit check to find out.
Check My Rate Now