Refinancing

Simplify your finances and save – BNK refinancing solutions may help you consolidate debt and secure better loan terms.

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Overview

Refinancing with BNK gives you the opportunity to review your existing loans and potentially reduce your interest rates, lower your repayments, or access additional funds. Whether you’re looking to refinance a home loan, investment property loan, or business loan, our flexible solutions are designed to meet your financial goals.

Our team works closely with you to understand your current situation and we can recommend options that may improve your cash flow, simplify repayments, and support your broader financial plans. Experience a smooth, efficient refinancing process with BNK’s expert support.

Features

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Competitive refinancing rates

Access competitive rates to reduce your borrowing costs.
Flexible Terms

Flexible loan options

Refinance home loans, investment loans, or business loans.
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Potential to consolidate debt

Simplify your finances by combining multiple loans.
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Access to additional funds

Refinance to free up equity for new investments or expenses.
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Dedicated refinancing support

Guidance tailored to your personal or business needs.
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Streamlined application and approval

Fast, hassle-free refinancing process.

Refinance and save with BNK

Whether you’re ready to apply or just exploring your options, our team is here to help.
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Helpful information

Terms and conditions

Terms and conditions that apply to our loan products, including details on eligibility, fees, and repayments.
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Serviceability calculators

Use our calculators to estimate how much you may be able to borrow and what your repayments could look like.
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Credit guide

Find out what’s included in our Credit Guide and how it helps you understand our lending process.
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Frequently asked questions

How often will I receive a statement?

We provide statements of account at least once every six months or monthly if you have a offset account. You can however view transactions at any time on the internet if you sign up for internet banking.

How is interest calculated?

Interest is calculated by applying the interest rate to the unpaid balance owing to us at the end of each day.

Is my property suitable security for a home loan?

All properties to be used as security have to be assessed to see if they meet our lending criteria.

Things you should know

Applications are subject to credit approval and Loan Terms and Conditions which are available here.

References to “LVR” mean Loan to Value Ratio which is calculated by dividing the loan amount by the value of the property (as determined by us). There may be a difference between the purchase price and the value of the property.

Comparison Rates provided include the interest rate and most standard fees and charges that must be paid over the life of the loan and  are calculated on a loan amount of $150,000 for a term of 25 years based on monthly repayments. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Information provided is general only and does not take into account your personal objectives, financial situation, or needs. Any rates advertised are current as at the date indicated and are subject to change. Eligibility criteria, fees, and charges may apply. You should seek independent advice and read the relevant terms and conditions and product documents.