To start with, look at your current home loan to understand its current features, how much you're paying in rates and fees, and the costs associated with refinancing. This allows you to see how it compares to the competition. While your interest rate will always be an important factor, there are other things to consider comparing to a new loan – such as being able to make fee-free extra repayments and redraw at any time. These features can make it easier for you to save on interest and pay off the loan sooner. When comparing interest rates, remember to look at the comparison rate, as this includes any upfront or ongoing fees and charges to give you a more accurate reflection of the true cost of the loan in question. Once you're ready to apply, head over to our online application form, give us a call us on 133 282, or visiting your local branch.