Refinance Review: See if you’re overpaying your bank by $2,400 a year.
Most Aussies with loans 5+ years old pay 0.4% more than new customers.
We compare 30+ lenders and show you, in plain English, if it’s worth switching.
*ACCC Home Loan Price Inquiry findings: borrowers with loans over five years old pay on average 0.4% more than new customers. Figure shown is indicative on a $600,000 loan. Your actual amount depends on your loan size, rate and lender. HoLo does not provide financial advice.
Refinance To Save
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Refinance To Renovate
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Refinance To Upgrade
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Refinance Today
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Refinance To Save ✳︎ Refinance To Renovate ✳︎ Refinance To Upgrade ✳︎ Refinance Today ✳︎
You paid $2,400 too much because you didn't switch.*
*ACCC Home Loan Price Inquiry findings: borrowers with loans over five years old pay on average 0.4% more than new customers. Figure shown is indicative on a $600,000 loan. Your actual amount depends on your loan size, rate and lender. HoLo does not provide financial advice.❌ You can't control the rates rising, You can't control the price of groceries.
❌ Loans over ten years old pay more than 1% above new customers * ( ACCC stats)
❌ On a $600k loan, even a 0.4% gap is around $200 a month. That's a car payment, leaving your account for nothing.
❌ Most people never check, because life is busy and switching sounds like a hassle.
👍🏻 But you can control whether you're on a competitive rate or a lazy one.
Refinance To Save,
Renovate Or Upgrade
Refinance to reduce repayments
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Refinance to unlock equity for renovations
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Refinance to upgrade your home
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Your bank is one option. We've got 30+ more.
With plenty of lenders to pick from, HoLo will always find you the right home loan.
HoLo’s Refinance Trinity keeps it simple: start with what you want, then we structure the loan around that.
Refinance to Save
Happy where you live, but not with what you’re paying?
We look at your current loan, compare it against 30+ lenders and see if we can trim your rate, reduce repayments, or tidy up other debts. Same home, less pressure on the monthly budget.
Refinance to Renovate
Love the location, but the house needs work?
We help you unlock usable equity so you can update the kitchen, add a bathroom, or open up the living area – while keeping the loan manageable. You focus on the plans, we handle the banks and paperwork.
Refinance to Upgrade
Outgrown your place entirely?
If it’s time for a bigger home, a better school zone, or a different suburb, we use your current home’s equity and borrowing power to map a clear path to the upgrade, then line up the finance to get you there.
We're small enough to treat you like family and sharp enough to actually save you money.
HoLo exists for 5 simple reasons:
👉 We're a broking team who got tired of watching good people overpay the big banks out of sheer loyalty and admin-dread.
👉 So we built something better — a smarter, simpler way to bring your home and your loan together (that's the "HoLo," in case you were wondering).
👉 Whether you're buying, building, investing, renovating, or just sick of paying more than the new customer down the road, our job is to find you the right loan at a great rate — and make the whole thing feel easy.
👉 We do the haggling, the paperwork, and the bank-wrangling. You get the better deal.
👉 No jargon, no pressure, no kissing the banks' behinds. Just the right loan, sorted.
How your free home loan check-up works
Check your
current position
In a few minutes, share a few details about your home, current lender, rate and what you’d like to do (save, renovate or upgrade).
We compare 30+ lenders for you
Our brokers run the numbers, compare 30+ lenders and shortlist the options that could cut your repayments or free up equity.
You choose, we handle the banks
We walk you through the options in plain English. If you decide to go ahead, we manage the paperwork and deal with the banks for you.