Terms of Use

These terms apply whenever you use the Refii website or savings estimate tool. By using the site, you agree to them. If you don't agree, please don't use the site.

1. Who we are

Refii ("we", "us", "our") operates a website that helps Australian homeowners compare home loan refinancing options and connects interested users with independently licensed mortgage broker partners.

2. Using our service

• Our savings estimate tool provides general, indicative information based on what you enter — it isn't a loan offer, pre-approval, or guarantee of any outcome.
• If you ask to be connected with a broker, we'll pass your details to a broker partner in our network so they can contact you directly. From that point, your relationship is with them, not with Refii.
• You agree to provide accurate information when using our tools or contacting us. Estimates and outcomes depend on the accuracy of what you provide.

3. Broker partners and third parties

Our broker partners are independent businesses, separately licensed and responsible for the credit assistance and advice they provide. Refii doesn't control their services and isn't responsible for the advice, conduct, fees, or outcomes of any broker or lender you engage with, though we take reasonable care in who we choose to partner with.

Our site may also link to third-party websites. We're not responsible for the content or practices of sites we don't operate.

4. No financial or legal advice

Content on this site, including our Learning Centre articles and savings estimates, is general information only. It doesn't take into account your personal financial situation, objectives or needs, and shouldn't be treated as financial, credit or legal advice. Always confirm rates, fees and eligibility directly with a lender or licensed broker before making a decision.

5. Intellectual property

The Refii name, logo, website design and original content are owned by us or our licensors. You may view and share content from this site for personal, non-commercial use, but you may not reproduce, modify or republish it without our permission.

6. Limitation of liability

To the extent permitted by law, Refii isn't liable for any loss or damage arising from your use of this website, including reliance on any estimate, article or referral, except where that liability can't be excluded under Australian Consumer Law.

7. Indemnity

You agree to indemnify Refii against any claims, losses or damages arising from your misuse of the website or breach of these terms.

8. Changes to these terms

We may update these terms from time to time. The "last updated" date at the top of this page reflects the most recent version. Continued use of the site after changes means you accept the updated terms.

9. Governing law

These terms are governed by the laws of Australia.

10. Contact us