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Refinance, but flexible
Whether its renovations, investments or debt consolidation, Skip's refinancing options open up new possibilities for your finances. Get ahead with Skip’s flexible loan options
Get ahead, by making the most of what you already have
Refinancing your home loan with Skip can release equity from your home and also lead to lower monthly payments and reduced interest rates.
Refinance up to 98% LVR
Owner Occupier
6.14
% p.a.6.48
% p.a.Investment
6.54
% p.a.6.93
% p.a.Calculate your savings
Based on your income and expenses for our Ultra-Low Rate product, you may be able to borrow:
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Estimated Monthly Repayment
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Interest Rate*
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p.a.
Comparison Rate**
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p.a.
Important - There are a lot of different factors that go into calculating how much you can borrow for a home loan. Every lender has their own way of calculating borrowing power so you might get different results with other home loan calculators. Our home loan borrowing calculator takes into account your income and expenses to give you an idea of how much you can expect to be able to borrow with a Skip Primary and Ultra-Low Rate Home Loan.
What do I need to contribute?
Estimated total funds to complete required
$0
This funds to complete calculator is a guide only, and gives you an estimate of what your funds to complete based on the property purchase price, loan amount, loan purpose, stamp duty and an Ultra-Low Rate Home Loan.
You’ll get a full assessment when you submit your application and enter the specifics of the property, your loan type, personal details and your financial situation. The above is not credit approval.
What will my repayments be?
Estimated repayments
$0
/month
Principal and Interest Loan
Interest rate*
Comparison rate**
This home loan repayment calculator is a guide only, and gives you an estimate of what your repayments may be with Skip. This estimate is based on the purchase price, loan amount and loan term you entered and the current home loan interest rates for the Ultra Low Rate Home Loan.
You’ll get a full assessment when you submit your application and enter the specifics of the property, your loan type, personal details and your financial situation. The above is not credit approval.
What our customers are saying
As seen in
Everything you need
Best value ever!
Years Earlier
Our First Home in Australia!
Saved by choosing Skip
2% DEPOSIT. LOW RATE. LOW FEE. NO LMI.
2% DEPOSIT. LOW RATE. LOW FEE. NO LMI.
2% DEPOSIT. LOW RATE. LOW FEE. NO LMI.
2% DEPOSIT. LOW RATE. LOW FEE. NO LMI.
FAQs
Find answers to your most pressing questions about our home loan services.
How long does it take to receive conditional pre-approval?
Conditional Pre-Approval will typically take 24-48 hours from application submission.
What about refinances, cash-outs and debt consolidation?
Yes, we provide refinancing solutions, including debt consolidation for up to 98% of your property’s current value, as well as cash-out options.
Please click Apply Now if you are looking to refinance.
How do I apply for a home loan?
To apply for a loan, click here.
Why don’t I need LMI with you? Are you lending responsibly?
LMI protects lenders and not borrowers. For various reasons, many/most lenders require LMI to protect themselves from default amongst borrowers with +80% LVRs.
We’ve taken a different approach.
Instead, we don’t charge LMI. We’re focused on lending to great borrowers and have created a suite of products specifically for great borrowers who don’t have a “full” 20% deposit.
We are proudly building an ethical, sustainable business to help financially responsible Australians get into their homes faster. We’ve built our own prudent lending criteria and are actually more conservative than most lenders in terms of who we will lend to.
So, in answer to your question – YES!
We are proudly lending responsibly, and very proud of the way we’re able to offer better-suited products to high-quality borrowersHow are you able to offer such low interest rates? What’s the catch?
The short answer: We’ve focused on helping borrowers who don’t have a “full” 20% deposit. By building a suite of products designed specifically for our borrowers, we’ve been able to make our loans cheaper and more accessible.
There’s no catch.
We’re a mission driven business and our mission is to improve access to homeownership for young Australian families. We’ve done this by creating products we’d use and encourage our friends and family to use. Our loans are simple and we don’t take any equity in your home or have any equity-based incentives.
We’ve worked *very* hard to provide the lowest-cost loans possible and will work even harder to make things even more affordable for you – Australia’s next generation – as we build.What are your interest rates?
Visit our Rates & Fees page to see our current interest rates.
Am I eligible for a home loan with Skip?
You can see our eligibility requirements here.