RatesniffersRATESNIFFERS
Hejaz Financial Services · Refinance · Updated November 2026

Hejaz Financial Services Refinance Home Loans, November 2026

Hejaz Financial Services lists 24 refinance home loans in the Ratesniffers index today. The lowest is 6.45% p.a. (comparison rate 6.80% p.a.), on Gold Home Loan Owner Occupied <70% LVR <$3.5m P&I. Rates differ by LVR tier and repayment type, so compare the comparison rate on each row below.

View Hejaz Financial Services current productsCompare the live market45+ lenders tracked · ranked by comparison rate · no paid placement

Hejaz Financial Services refinance home loan rates, November 2026

Hejaz Financial ServicesGold Home Loan Owner Occupied <70% LVR <$3.5m Ijara Only
VariableOffsetRedraw
Interest
6.65%p.a.
Comparison*
Not available
Est. interest only / month
$2,771
LVR ≤70%
Based on a $500,000 balance

Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.

Hejaz Financial ServicesGold Home Loan Owner Occupied 70% - 80% LVR <$3.5m Ijara Only
VariableOffsetRedraw
Interest
6.75%p.a.
Comparison*
Not available
Est. interest only / month
$2,813
LVR 70 to 80%
Based on a $500,000 balance

Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.

Hejaz Financial ServicesGold Home Loan Owner Occupied <70% LVR <$3.5m P&I
VariableOffsetRedraw
Interest
6.45%p.a.
Comparison*
6.80%p.a.
Est. repayment
$3,144
LVR ≤70%
Hejaz Financial ServicesGold Home Loan Owner Occupied 70% - 80% LVR <$3.5m P&I
VariableOffsetRedraw
Interest
6.55%p.a.
Comparison*
6.90%p.a.
Est. repayment
$3,177
LVR 70 to 80%
Hejaz Financial ServicesGold Home Loan Owner Occupied 80% - 85% LVR <$3m P&I
VariableOffsetRedraw
Interest
6.55%p.a.
Comparison*
6.90%p.a.
Est. repayment
$3,177
LVR 80 to 85%
Hejaz Financial ServicesGold Home Loan Owner Occupied 85% - 90% LVR <$3m P&I
VariableOffsetRedraw
Interest
6.65%p.a.
Comparison*
7.00%p.a.
Est. repayment
$3,210
LVR 85 to 90%
Hejaz Financial ServicesGold Home Loan Owner Occupied 90% - 95% LVR <$2m P&I
VariableOffsetRedraw
Interest
6.75%p.a.
Comparison*
7.09%p.a.
Est. repayment
$3,243
LVR 90 to 95%
Hejaz Financial ServicesFlexible Home Loan Full Doc Owner Occupied <65% LVR <$5m P&I (Risk Grade A)
VariableRedraw
Interest
6.99%p.a.
Comparison*
7.15%p.a.
Est. repayment
$3,323
LVR ≤65%
Hejaz Financial ServicesEssentials Home Loan Full Doc Owner Occupied <70% LVR <$1.5m Ijara Only
VariableOffsetRedraw
Interest
7.19%p.a.
Comparison*
Not available
Est. interest only / month
$2,996
LVR ≤70%
Based on a $500,000 balance

Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.

Hejaz Financial ServicesFlexible Home Loan Low Doc Owner Occupied <65% LVR <$5m P&I (Risk Grade A)
VariableRedraw
Interest
7.09%p.a.
Comparison*
7.25%p.a.
Est. repayment
$3,357
LVR ≤65%
Hejaz Financial ServicesFlexible Home Loan Low Doc Owner Occupied 65% - 75% LVR <$5m P&I (Risk Grade A)
VariableRedraw
Interest
7.14%p.a.
Comparison*
7.30%p.a.
Est. repayment
$3,374
LVR 65 to 75%
Hejaz Financial ServicesFlexible Home Loan Full Doc Owner Occupied <65% LVR <$5m Ijara Only (Risk Grade A)
VariableRedraw
Interest
7.34%p.a.
Comparison*
Not available
Est. interest only / month
$3,058
LVR ≤65%
Based on a $500,000 balance

Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.

Hejaz Financial ServicesEssentials Home Loan Full Doc Owner Occupied <70% LVR <$1.5m P&I
VariableOffsetRedraw
Interest
6.99%p.a.
Comparison*
7.35%p.a.
Est. repayment
$3,323
LVR ≤70%
Hejaz Financial ServicesFlexible Home Loan Full Doc Owner Occupied 65% - 75% LVR <$5m P&I (Risk Grade A)
VariableRedraw
Interest
7.19%p.a.
Comparison*
7.35%p.a.
Est. repayment
$3,391
LVR 65 to 75%
Hejaz Financial ServicesFlexible Home Loan Full Doc Owner Occupied 75% - 80% LVR <$5m P&I (Risk Grade A)
VariableRedraw
Interest
7.24%p.a.
Comparison*
7.39%p.a.
Est. repayment
$3,407
LVR 75 to 80%
Hejaz Financial ServicesFlexible Home Loan Low Doc Owner Occupied 75% - 80% LVR <$5m P&I (Risk Grade A)
VariableRedraw
Interest
7.24%p.a.
Comparison*
7.39%p.a.
Est. repayment
$3,407
LVR 75 to 80%
Hejaz Financial ServicesEssentials Home Loan Full Doc Owner Occupied 70% - 75% LVR <$1.5m P&I
VariableOffsetRedraw
Interest
7.09%p.a.
Comparison*
7.44%p.a.
Est. repayment
$3,357
LVR 70 to 75%
Hejaz Financial ServicesEssentials Home Loan Full Doc Owner Occupied 75% - 80% LVR <$1.5m P&I
VariableOffsetRedraw
Interest
7.09%p.a.
Comparison*
7.44%p.a.
Est. repayment
$3,357
LVR 75 to 80%
Hejaz Financial ServicesEssentials Home Loan Low Doc Owner Occupied <70% LVR <$1.5m Ijara Only
VariableRedraw
Interest
7.44%p.a.
Comparison*
Not available
Est. interest only / month
$3,100
LVR ≤70%
Based on a $500,000 balance

Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.

Hejaz Financial ServicesEssentials Home Loan Full Doc Owner Occupied 70% - 75% LVR <$1.5m Ijara Only
VariableOffsetRedraw
Interest
7.49%p.a.
Comparison*
Not available
Est. interest only / month
$3,121
LVR 70 to 75%
Based on a $500,000 balance

Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.

Hejaz Financial ServicesEssentials Home Loan Full Doc Owner Occupied 75% - 80% LVR <$1.5m Ijara Only
VariableOffsetRedraw
Interest
7.49%p.a.
Comparison*
Not available
Est. interest only / month
$3,121
LVR 75 to 80%
Based on a $500,000 balance

Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.

Hejaz Financial ServicesEssentials Home Loan Low Doc Owner Occupied <70% LVR <$1.5m Ijara Only (Offset)
VariableOffsetRedraw
Interest
7.54%p.a.
Comparison*
Not available
Est. interest only / month
$3,142
LVR ≤70%
Based on a $500,000 balance

Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.

Hejaz Financial ServicesEssentials Home Loan Low Doc Owner Occupied <70% LVR <$1.5m P&I
VariableRedraw
Interest
7.24%p.a.
Comparison*
7.59%p.a.
Est. repayment
$3,407
LVR ≤70%
Hejaz Financial ServicesFlexible Home Loan Full Doc Owner Occupied 65% - 75% LVR <$5m Ijara Only (Risk Grade A)
VariableRedraw
Interest
7.59%p.a.
Comparison*
Not available
Est. interest only / month
$3,163
LVR 65 to 75%
Based on a $500,000 balance

Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.

*Important Information and Comparison Rate Warning

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 comparison rate displayed is based on a loan of $150,000 over a term of 25 years.

The information provided on this site is general in nature and does not take into account your objectives, financial situation or needs. Before acting on any information, consider whether it is appropriate for you and read the relevant Credit Guide and lender disclosures.

Hejaz Financial Services · Refinance

Hejaz Financial Services refinance home loans, what to weigh

Hejaz Financial Services's refinance-eligible products. Compare against your existing rate plus exit costs. Rates and eligibility can differ across products and LVR tiers, so use the lender page above for current product-level figures rather than assuming every refinance option has the same price.

See also Hejaz Financial Services's full product range, repayment calculator, and refinance savings calculator.

Book a free rate review