What are the best refinance rates on the Gold Coast right now?

The best refinance rates available to Gold Coast homeowners in 2025 start from 5.69% p.a. (comparison rate ~5.84% p.a.) through GoRefinance's 30+ lender panel. Gold Coast property values have surged strongly since 2020, improving LVR positions for most long-term owners and unlocking access to the sharpest rate tiers.

Can I refinance a Gold Coast investment property or holiday rental?

Yes — investment and holiday-let properties on the Gold Coast are refinanceable. Standard investment loans apply for properties rented long-term. Holiday rentals (Airbnb/short-term) are treated differently by lenders — typically on owner-occupier terms if you also use the property, or investment terms if purely rented. We match you with lenders whose policies suit your specific property use.

Refinance Home Loan Gold Coast, QLD | GoRefinance — Save on Your Gold Coast Mortgage

Refinance your Gold Coast home loan — and save

The Gold Coast's post-COVID property surge has given homeowners serious equity gains. We help Gold Coast homeowners and investors turn that equity into lower rates — average saving $460/month. Free, no obligation.

Variable from

5.69%

p.a.

Fixed 2yr from

5.59%

p.a.

Avg. saving

$460

per month

Refinancing on the Gold Coast: what you need to know in 2025

The Gold Coast has been one of Queensland's strongest property markets since 2020 — a combination of COVID-era lifestyle migration from Sydney and Melbourne, infrastructure investment, and Australia's most in-demand tourist and lifestyle real estate. Median house prices in coastal suburbs like Broadbeach Waters, Isle of Capri, and Burleigh Heads have risen 50–80% over five years, creating significant equity for established owners.

The Gold Coast mortgage market is more diverse than most: owner-occupiers in family suburbs like Robina and Coomera, prestige canal homes in Sanctuary Cove and Hope Island, high-rise apartments along the beachfront strip, and investment properties catering to a year-round rental market. Each segment has its own refinancing considerations — and we know them all.

Is now a good time to refinance on the Gold Coast?

Very much so for most borrowers. Strong property growth has improved LVRs across the city, giving most established owners access to the top rate tiers. The RBA's cutting cycle benefits variable rate borrowers, and Gold Coast's QLD location means no mortgage stamp duty on refinancing — keeping switching costs low. Homeowners who bought before 2022 and haven't reviewed their rate since are the most likely to find substantial savings.

Gold Coast property market snapshot

Median house price (Gold Coast)	$1,050,000
Median apartment/unit price	$680,000
Typical mortgage balance	$540,000–$820,000
Average existing variable rate	~6.5% p.a.
Our best variable rate (from)	5.69% p.a.
Average monthly saving (our clients)	$460

Sources: CoreLogic, REIQ, RBA. Rates as at June 2025.

Holiday and short-term rental properties

The Gold Coast has Australia's highest concentration of short-term rental properties. If you own a property rented on Airbnb, Stayz, or a holiday management company, refinancing has specific considerations. Lenders classify short-term rental income differently — some count it at 80% of gross income (similar to standard investment income), others are more conservative. We identify lenders whose income policies suit your specific rental situation and can help you maximise the income that counts toward your serviceability assessment.

Gold Coast suburbs we serve

We service all of the Gold Coast City from Coomera to Coolangatta: Surfers Paradise, Broadbeach, Broadbeach Waters, Main Beach, Southport, Labrador, Runaway Bay, Hope Island, Helensvale, Coomera, Robina, Varsity Lakes, Burleigh Heads, Burleigh Waters, Miami, Mermaid Beach, Palm Beach, Currumbin, Tugun, Coolangatta, and all suburbs in between.

Questions from Gold Coast homeowners

Yes, though beachfront high-rises in the Surfers Paradise and Broadbeach strip require specific lender selection. Some lenders restrict LVRs on holiday-zoned buildings or high-density towers — particularly those with management rights or hotel pool arrangements. We assess your specific building and body corporate structure first, then target lenders who are actively competitive for that property type. Many quality Gold Coast apartments refinance smoothly with the right lender match.

Likely yes. Even buyers who purchased at 2021–2022 peak prices in many Gold Coast suburbs have seen further growth since then, maintaining or improving their LVR. And even if your equity position hasn't changed, the rate gap between what you're currently paying and market-best rates still creates potential savings. The key variable is whether your income and serviceability still stacks up with current lenders — which we assess in our free initial review before recommending anything.

Typically 3–5 weeks. Queensland's no-mortgage-duty environment and PEXA electronic settlements make the process smooth and efficient. Standard houses and townhouses tend to settle quickest. Apartments with complex body corporate structures or hotel management arrangements may require an extra week for lender legal review. We manage the complete process remotely.

Refinance your Gold Coast home loan — and save

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