Get a better

home loan

Before you refinance, see what your bank will offer you to stay. Compare leading offers from across the market.

Get Started

It's easy, and takes just a few minutes!

We simplify your home loan search, for free.

Renegotiating with your lender can be difficult, and refinancing to a new one even harder. We take the hard work out of the home loan search process with 3 easy steps.


Tell us the basics

Answer a few simple questions about your current home loan


We search for a better deal

See what your lender will offer you to stay, and compare leading offers from across the market


Choose to stay, or go

Stay with your lender if you're happy with their deal, or go with a better offer and start saving

How we assess top home loans

In a nutshell, we crunch a lot of numbers

In a few simple steps we estimate how much you could save on your home loan. We use Open Banking to assess 2,500+ interest rates from 39 leading lenders, including all the major banks. We check whether your current bank will offer you a better deal, and summarise the top offers from across the market.


lenders, including all the majors


home loan products


interest rates


cashback offers

Looking for your first home loan?

We make it easy by comparing the all the major banks and top lenders in one place. Explore offers for first home buyers here.

New to Stay or Go?

Sign up with us to receive the following benefits:

Access a better deal without needing to change banks

Explore what you could save by changing banks

Get an alert when your deal is no longer competitive

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Copyright © 2023 Stay or Go Pty Ltd
Stay or Go Pty Ltd (“Stay or Go”) provides information about and compares credit products in the Australian market and is authorised to do so as the holder of Australian Credit Licence 527092. We do not compare every credit product in the Australian market. We are not a credit provider and we do not provide credit assistance. When we provide information via this website, we are not providing you with a recommendation or suggestion about a particular credit product. When you apply for a credit product via our website, you are not applying with us, you are applying directly with the credit provider and will be redirected to their website. We endeavour to ensure that the information on this website is current and accurate however, before entering into any credit product with a credit provider displayed on our website, you should confirm the fees, rates, product information, and eligibility criteria with the credit provider and read the Target Market Determination (TMD) available via their website. All information on this website is general advice only and does not take into account your objectives, financial situation or needs. You should consider whether this advice is right for you and we encourage you to seek independent financial advice. The use of any trade name or trademark on this website is for identification, comparison and reference purposes only and does not imply any association with the trademark holder or their brand. Please refer to our Terms of Use for more details.