Borrow up to 95%

Homeloans offers a range of loan options available to 95% LVR. This means that you may be able to borrow up to 95% of the value of the property you wish to purchase.

Plus, as a Homeloans customer you’ll enjoy our generous customer benefits program and award winning service.

Loan features to select from include

  • Redraw
  • 100% offset+
  • Construction loans+
  • Secured/ unsecured VISA facility+
  • Low interest rates (variable or fixed)

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.


Where we really set ourselves apart from our competitors is the service we provide to our customers.

MPA | Brokers on Non-Banks 2016 | Non-Bank of the Year: Homeloans

TheAdviser Magazine | Third Party Banking Report on Non-Bank Lenders 2016 | Best Mortgage Manager: Homeloans

TheAdviser Magazine | Non-Bank Lending Awards 2015 | Best First Home Buyer Lender: Homeloans

TheAdviser Magazine | Non-Bank Lending Awards 2014 | Best Turnaround Times: Homeloans

TheAdviser Magazine | Non-Bank Lending Awards 2014 | Best First Home Buyer Lender: Homeloans

TheAdviser Magazine | Top 10 Originators 2013: No. 1 Originator: Homeloans Ltd

*Homeloans Optima rates shown apply to loan values of $500,000 – $749,999 and 90%-95% LVR. Homeloans Ultra Plus rates shown apply to loan values of $500,000 and above and 90-95% LVR. For loans under $500,000 a rate surcharge applies. Click appropriate product link for more information.

#Applies to standard loan submissions for new loans only. One standard valuation per application valued at up to $300 is provided free of charge on Ultra Plus, Optima, MoniPower. Application fee of $199 waived on Ultra Plus, Optima, MoniPower and FlexiChoice Prime loans. Settlement fees of $363 waived on FlexiChoice Prime 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 6 April 2018. 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.

+100% offset facility, construction loans to 95% LVR, and VISA facility are available to approved applicants with Homeloans MoniPower. Additional lending criteria and interest rate loading apply. Terms, conditions and lending criteria apply to all loans. Interest rate loading may apply to some loans > 90% LVR. Not all advertised features are available on every 95% LVR home loan. Speak to a Homeloans mortgage consultant for further details.