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Refinance my home loan

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Looking for a better deal on your home or investment loan? We can help!

We offer some of the most competitive rates in the market combined with a long list of fee free features and outstanding personal service. As a Mutual banking institution, our main objective is to put our customers first (not shareholders), this equates to more competitive products and unmatched personal service. We are proud to have been offering these benefits for over 60 years.

View our Home Buyer Guide for more information on the process of buying a home including some handy hints and tips

What can we offer you?

In addition to offering you a great interest rate and exceptional service, we are pleased to offer you the following to ensure your refinance is simple, stress-free and cost effective:

  • NO application fee
  • NO establishment fee
  • NO account keeping fees on any of our home or investment loan products
  • We will waive your valuation fee, saving you up to $250
  • We will Waive our mortgage preparation fee saving you $360

Your home is your biggest asset so speak to us today to ensure you are not paying too much.

Talk to us today! Contact us on 1300 13 14 20 or email us today at, we are here to help!

Find out more about our home loan products

  How do I apply?

There are a number of ways you can apply:


  • Thank you so much for all your help along the way


    You were vital to keeping everything running as smoothly as it did. I sincerely appreciate t

  • I have not experienced such excellent service when borrowing money


    I really have to thank you for the work you have done today.

    I have not experienced such

  • Thank you for all your hard work


    Thank you for all your hard work and the efficiency you have shown in getting approvals so f

  • Thank you again


    Just want to take this time to thank you for your assistance with my paying off my home loan

  • Really great to be treated like a person


    Once again thank you for all your help. It really great to be treated like a person. ‒ Di

  • Very helpful


    All of your information is very helpful and it's been a joy dealing with you. ‒ Karen

  • Pleasant Experience


    Each time we have had contact with any of the staff at Select Encompass Credit Union it ha

  • Most unexpected thrill to win


    I wish to thank you for the IPAD I won by filling out a member survey and which I collected

  • How appreciative I am of your Credit Union


    I can't believe that I have been with the credit union so long and I plan to be with you

  • So glad to be a member of Select Encompass


    Thankyou so much for your assistance. You can't know how grateful I am. I am just so g

  • You made the process extremely easy


    Steve and I would like to say thank you for your help on our loan. You made the process extr

  • Nice to know a bank cares


    Nice to know a bank cares! ‒ Liz


  • I just love the personalised service!


    This is why I've stayed with a credit union just love the personalised service :) Thanks

  • Your services have grown with me as my needs have changed


    I have been banking with the credit union for 15 years now and your services have grown with

  • I wish to highly commend staff at the Gymea Branch


    I wish to highly commend staff at the Gymea Branch for extremely pleasant and professional s

  • Big tick for Select Encompass


    Thanks for your help through the process. Big tick for Select Encompass for being an easy-