Some of the best home loans for investors and refinancers in September 2021

If you already own a home or investment property and are considering refinancing, the banks may want your business. Lenders are reportedly shifting their focus away from fixed rates, with some big banks slashing variable rates in response to record levels of refinancing activity.

All of this activity is taking place out of cycle from the RBA, which has confirmed that it does not intend to raise the national cash rate until at least 2024.

As well as hiking fixed rates and slashing variable rates, some lenders are offering cashback deals to help tempt refinancers over to their mortgages.

Refinancing could also be an option to consider for borrowers who have been experiencing financial hardship due to lockdowns. The Australian Banking Association (ABA) recently revealed that the number of Australians receiving hardship assistance has tripled over the past month, and the numbers of mortgage holders deferring their repayments has also increased.

Here are some of the top-rated mortgage offers on RateCity, based on their Real Time Ratings™. You can compare more leading home loan options on the RateCity Leaderboards, including RateCity Award winners.

Rankings are correct at the time of publishing. Please note lenders may trade places on the list as interest rates and fees change and RateCity’s tracker reflects these movements.

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