WLTH’s Ocean Standard Easy Refi is a simpler way to refinance your home loan if you have a good repayment history. Variable rates start from 6.44% p.a. (comparison rate 6.90% p.a.) for owner occupiers and 6.64% p.a. (comparison rate 7.14% p.a.) for investors, up to 80% LVR, with a 100% offset account included. Rates are effective 13 October 2026.
| LVR | Owner occupied | Investment |
|---|---|---|
| Up to 70% | 6.44% p.a. Comparison rate 6.90% p.a.* |
6.64% p.a. Comparison rate 7.14% p.a.* |
| From 70% – 80% | 6.54% p.a. Comparison rate 7.00% p.a.* |
6.74% p.a. Comparison rate 7.24% p.a.* |
*See the comparison rate warning below. Maximum loan size $3.5m across all LVR bands.
Frequently Asked Questions
What are WLTH’s refinance home loan rates?
WLTH’s Ocean Standard Easy Refi has variable rates from 6.44% p.a. (comparison rate 6.90% p.a.) for owner occupiers and from 6.64% p.a. (comparison rate 7.14% p.a.) for investors. Your rate depends on your LVR and whether the property is owner occupied or an investment. Rates are effective 13 October 2026.
What is Easy Refi?
Easy Refi is a simpler refinance option for borrowers who can show a good repayment history on their current home loan, and who will pay less by moving to WLTH.
Who is eligible for Easy Refi?
To be eligible, you need to:
- Have made 12 months of satisfactory repayments on your current loan, with no more than 15 days in arrears. This is checked through your credit report or 12 months of loan statements.
- Get a lower interest rate and lower principal and interest repayments with WLTH than you have now.
- Have an Equifax credit score of at least 600.
- Be refinancing from a lender on WLTH’s approved list for Easy Refi.
What if I don’t meet the Easy Refi criteria?
You can still apply to refinance with WLTH. Your application will be assessed under the full application process for the Ocean Standard Residential variable loan. See WLTH’s variable home loan rates.
Can self-employed borrowers use Easy Refi?
Yes, if the loan is in your personal name and your credit score is 750 or higher.
What can I use this loan for?
The loan is for refinancing an existing residential home loan, either owner occupied or investment.
What is the maximum LVR?
The maximum LVR is 80%. Depending on the property’s location, a lower maximum may apply.
Do I have to pay lenders mortgage insurance (LMI)?
No. WLTH doesn’t charge LMI, and Easy Refi loans go up to 80% LVR.
How much can I borrow?
Individual loans go up to $3.5 million at any LVR. The maximum total borrowing for any individual borrower is $10 million. This includes loans where the individual is also a co-borrower as a director of their company.
Is interest only available?
Yes. Interest-only repayments are available for up to 5 years, up to 80% LVR, with a 0.20% p.a. loading. Interest-only loans require monthly repayments.
Does the loan include an offset account?
Yes. A 100% offset account is included with each loan split.
Does my property’s location affect how much I can borrow?
Yes. Maximum LVRs depend on the population of the area where the property is located, and properties in areas with fewer than 3,000 people are not accepted.
What other WLTH home loans are available?
See WLTH’s variable home loan rates, WLTH’s fixed home loan rates and WLTH’s 40 year home loan rates.
How do I apply?
Ask your mortgage broker about WLTH, or contact us at 13 WLTH or hello@wlth.com.
Impact Lending
WLTH is Australia’s first Impact Lender. For every loan settled with WLTH, 50m² of Australian beach and coastline will be cleaned up alongside Parley for the Oceans. Your home loan helps keep Australia’s coastline clean, at no extra cost to you.
Disclaimers
Rates and information are correct as at 13 October 2026 and are subject to change without notice.
All loans are subject to lending criteria. Other conditions, fees and charges may apply. Legal fees do not cover disbursements, government charges or third-party contract processing fees.
*Comparison rate warning: The comparison rate is based on a loan of $150,000 over a term of 25 years, principal and interest. Fees included are the application fee, estimated legal fee, settlement fee, estimated valuation fee, applicable annual fees and discharge fee. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. 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.
The information in this article is general in nature and does not take into account your objectives, financial situation or needs. Before acting on this information, consider whether it is appropriate for you and seek independent financial advice.
WLTH Lend Pty Ltd CRN 525 873 as authorised by WLTH Pty Ltd AFSL & ACL 525 752.
