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$2,000 back to you when you refinance your home loan*

*Terms, conditions, fees, charges and eligibility criteria apply.

Switch now & save sooner on your home loan with Hume Bank

Looking for a better deal on your home loan? At Hume Bank, we make switching simple and rewarding. Refinance your home loan with us and not only will you enjoy a really great rate, but we’ll reimburse you $2,000 to cover refinancing costs to help you make the move.

We’ve got your back on the switching costs

We get it, refinancing sounds great until you see all of the fees and charges that come with it. But don’t stress. When you switch your home loan to Hume Bank, we’ll reimburse you $2,000 so you can start saving sooner.

That means we’ll pick up the tab for stuff like:

  • Discharge fees: The cost to close your current loan
  • Mortgage registration: Even those government-related admin fees
  • Valuation fees: If we need to check your property’s value
  • Legal and settlement costs: To make sure everything’s done properly
  • Lender admin fees: Those sneaky extras from your old bank
  • Application fees: Because starting again shouldn’t cost extra

Basically, we’ll handle the costs so you can focus on the savings.

Refinancing made easy

With fast answers, helpful local support, and $2,000* back in your pocket, there’s never been a better time to switch.

Start your application online today it’s quick and simple.

Apply online

Why refinance with Hume Bank?

  • Award-winning home loan products
  • Extremely competitive low rates
  • $2,000 back in switching costs
  • Fast online application process
  • Support from real local people
  • No hidden fees or confusing jargon

Where being a local means a great deal.

We’re here to help you save more and stress less with honest advice, great rates, and support from locals who get it.

liteBlue Variable Rate home loan

5.74% p.a.^

liteBlue variable rate owner occupied <60% LVR

5.75% p.a.^^

comparison rate

  • Variable rate
  • Fixed rate (1-5 years)
  • $199 application fee
  • No ongoing fees
  • Free unlimited online redraw
  • Additional repayments
  • Top up available
  • Split loan available
  • Construction loan available
  • 30 year maximum loan term

myBlue Fixed Rate home loan

5.45% p.a.^

myBlue 1 year fixed rate owner occupied <60% LVR

5.80% p.a.^^

comparison rate

  • Variable rate
  • Fixed rate (1-5 years)
  • No application fee
  • No ongoing fees
  • Free unlimited online redraw
  • Additional repayments
  • Top up available
  • Split loan available
  • Construction loan available
  • 30 year maximum loan term
  • Up to eight 100% interest offset accounts

myBlue Variable Rate home loan

5.84% p.a.^

myBlue variable rate owner occupied <60% LVR

5.84% p.a.^^

comparison rate

  • Variable rate
  • Fixed rate (1-5 years)
  • No application fee
  • No ongoing fees
  • Free unlimited online redraw
  • Additional repayments
  • Top up available
  • Split loan available
  • Construction loan available
  • 30 year maximum loan term
  • Up to eight 100% interest offset accounts

Ready to make the switch?

Start your applicationBook a chat with a lender

Terms and Conditions - Switch now, save sooner refinance offer

Eligibility Criteria

1. To qualify for the refinancing cost coverage, customers must meet the following criteria:

a. The Promotion is available to new Hume Bank lending customers located within the following postcode locations: 2640 2641 2642 2643 2644 2645 2646 2647 2650 2651 2652 2656 2658 2659 2660 2661 2678 2700 3675 3676 3677 3678 3682 3683 3685 3687 3688 3689 3690 3691 3694 3695 3700 3701 3704 3705 3707 3708 3709 3723 3732 3733 3735 3746 3747 3749.
b. Meets the responsible lending criteria and passes all Know Your Customer and Anti-Money Laundering requirements.
c. Customer refinances an existing home loan from another financial institution to Hume Bank. The new Hume Bank loan term must be no longer than the remaining term of the refinanced loan unless otherwise approved.
d. Applications must be received between 1 May 2025 and 30 June 2025 and settle by 30 September 2025 unless the offer is amended or withdrawn earlier
e. The refinanced home loan amount must be $200,000 or more.
f. The loan must be for owner-occupied or investment purposes (excluding construction and bridging loans).
g. The new home loan repayments must be repaid via periodical payment from a Hume Bank transaction account.
h. Available for retail customers and property investors only.

2. Reimbursement ($2,000)

a. Hume Bank will reimburse eligible customers a total value of $2,000 (maximum) to cover refinance-related costs that will be incurred by the customer as part of the refinancing process. One reimbursement per property security only.
b. Reimbursement will be credited directly to the customer’s nominated Hume Bank transaction account within 30 days of home loan settlement.
c. Any additional expenses beyond the $2,000 maximum will be the responsibility of the customer.

3. Additional Terms

a. Hume Bank reserves the right to verify costs and reject reimbursements deemed ineligible.
b. The offer is not transferable and cannot be exchanged for cash.
c. Hume Bank may amend or withdraw this offer at any time without notice.

Credit is provided by Hume Bank Limited ABN 85 051 868 556 AFSL/Australian Credit Licence 244248.

Our Privacy Policy sets out how we handle personal information and keep it secure. Hume Bank’s Privacy Policy can be viewed on our website at humebank.com.au/privacy-policy.

Things you should know

Rates, fees and charges and other information correct as at 23 April 2025 and may change without notice.

Terms, conditions, fees, charges and lending criteria apply.

Please read the Product Disclosure Statement and Fees & Charges and consider whether this product is right for you. Also available in branch or at 1300 004 863.

To view the Target Market Determination for this product, go to Target Market Determinations.

Download a copy of our Owner occupier home loan rates and/or our Investor home loan rates.

Access our Home Loan Key Facts Sheet. Download our Application Checklist to help make the application process as smooth as possible.

^ Interest rate is only available to owner-occupied loans on liteBlue and myBlue principal and interest repayments with less than or equal to 60% Loan to Value Ratio (LVR). Interest rates for investment loan purposes, interest only loans and other applicable LVR tiers will differ.

^^ Comparison rate based on a secured loan of $150,000 over 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees and other loan amounts might result in a different comparison rate. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.