Home loan interest rates
Product Rates from Comparison Rate
Variable rate 4.19%pa+ 4.34%pa More
1 year fixed rate 4.28%pa^ 4.38%pa More
3-year fixed rate 4.19%pa* 4.64%pa More
Compare home loan rates

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Free Home Buyers Guide!

Choosing a home loan

Ready to buy your first home? Homeloans can help! We provide access to an extensive range of home loans help and simplify the process.

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Whether you are looking to upsize, downsize or move to a new area, we offer a range of a loans to meet your needs.

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Looking for a new loan with a better rate and more features?

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Would you like to make your money work for you? We have a range of loans ideally suited to investors.

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Find out how much you may be able to borrow by using our borrowing power calculator. Simply enter your total income and expenses to find out.



Work out what your weekly, fortnightly or monthly mortgage repayments will be using varying loan amounts with the repayment calculator.



Stamp duty may add significantly to the cost of buying a property. Simply enter your state, the value of the property and your loan amount to find out just how much it will cost in your state or territory.



There are several important steps in the Homeloans process from your initial loan application through to settlement. View our brief overview of the application process.



Information on how applications for credit are assessed, giving you a greater understanding of how you can get into a position to have your next application approved.



View our comprehensive list of answers to some of our customers most frequently asked questions. If you have a question of your own that is not covered, please contact us.


About Homeloans

Homeloans has been providing Australians with a refreshing alternative to the banks for their home finance since 1985. We specialise in home loans, and have a wide range of products to meet the needs of all types of customers, from first home buyers to investors.

We pride ourselves on our service, which has seen us win a number of industry awards and achieve customer satisfaction levels of over 97%.

As a benefit of having a Homeloans loan, our clients are entitled to our customer benefits program which provides a range of amazing offers from discounts on grocery shopping and fuel, to great deals on dining and entertainment.

With an Australia-wide presence, we can manage your finance needs via our network of dedicated loans consultants and satellite offices. Our customer services team will help you through all stages of the loan application process and be there for you throughout the life of the loan.

As we are listed on the Australian Stock Exchange, our customers and investors have the assurance that we are backed by nationwide strength and security. Being publicly listed also means we have to adhere to the ASX’s strict standards on reporting and transparency in the way we run our business.

Furthermore, we are a member of the MFAA, and live by the MFAA Code of Practice. This code ensures professional standards are set and maintained, and that we operate under ethical and fair business practices.

Homeloans is proud to be Carbon Conscious™, whereby a tree is planted for every Homeloans loan settled.

Enquire now

Contact Homeloans today. Please complete the below form to ask a question, get in touch with one of our staff or make an appointment.

*3-year fixed rates shown refer to Homeloans Ultra Plus Owner-Occupier loans where where up to 50% of the loan is fixed. For Ultra Plus 3-year fixed rates on investment loans or where more than 50% of the loan is fixed please refer to Homeloans Ultra Plus interest rates.

^1 year fixed rates shown refer to owner occupied loans with principal & interest repayments. For investment and/or interest only loans please refer to Homeloans Optima interest rates.

+Base rate on Homeloans Optima variable rate loans applies to owner-occupier loans with principal & interest repayments, with LVR <=80%. Rate adjustments apply to other loans – please refer to Homeloans Optima interest rates. Base rate on Homeloans Ultra Plus variable rate loans applies to owner-occupier loans of $500,000 and above with LVR <=80%. Rate adjustments apply to other loans – please refer to Homeloans Ultra Plus interest rates.

#Applies to standard loan submissions for new loans only. One standard valuation per application valued at up to $300 is provided free of charge and Application fee of $199 waived on Homeloans Ultra Plus, Optima, and MoniPower loans. Any non-standard valuations and additional valuations are at the cost of the borrower. Other fees and charges apply.

Interest rates on this site were updated on 8 February 2016. Rates shown apply to new business only and may vary before your loan is settled. Rates shown do not apply to all loan sizes, purposes, repayment types, scenarios or LVRs. Click on the loan name for more information. The comparison rate is calculated on the basis of a loan of $150,000 over a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Terms & conditions, fees, charges and credit criteria apply.