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Choosing a loan

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Compare all home loans
Compare all home loans

At Homeloans we appreciate that whilst competitive interest rates are an important factor in choosing your loan, you may also require other features. That's why our range of home loans has both great rates and a range of great features.

See the table below to compare our range of competitive home loans and find the option that is right for you.




 

Standard (full doc) home loans

Home loan

Interest
rate &
(comp rate)

Fixed
rate

Repayments

Purpose

Annual
fees

Redraw

Additional
repayments 

Split
rate

Homeloans Ultra Plus

6.59%pa (6.94% pa)

 

 

Principal & interest

Interest only

Purchase
refinance
debt consolidation
vacant land
equity release 

$330

*

*

Homeloans Ultra

6.74%pa
(6.80%pa)

Principal & interest

Interest only

Purchase
refinance
debt consolidation
construction
vacant land
equity release

 

*

*

Homeloans ProSmart

7.04%pa
(7.12%pa)

Principal & interest

Interest only

Purchase
refinance
debt consolidation
construction
vacant land
equity release
business purposes^

 

~

Homeloans MoniPower

7.10%pa
(7.18%pa)

Principal & interest

Interest only

Purchase
refinance
debt consolidation
construction
vacant land
equity release
business purposes^
bridging finance

 

#

Homeloans ProSmart All In One

6.84%pa
(7.16%pa)

Principal & interest

Interest only

Purchase
refinance
debt consolidation
equity release
business purposes^

$295

**

Standard (full doc) line of credit

Home loan

Interest
rate &
(comp rate)

Fixed
rate

Repayments

Purpose

Annual
fees

Redraw

Additional
repayments 

Split
rate

Homeloans Ultra Plus LOC

6.84%pa
(7.19%pa)

 

Interest only

Purchase
refinance
debt consolidation
equity release

$330

 

Homeloans Ultra LOC

6.94%pa
(7.00%pa)

 

Interest only

Purchase
refinance
debt consolidation
equity release

 

 

Homeloans MoniPower LOC

7.20%pa
(7.41%pa)

 

Principal & interest

Interest only

Purchase
refinance debt
consolidation
equity release
vacant land
business purposes^

$150

 

Lo Doc home loans

Home loan

Interest
rate &
(comp rate)

Fixed
rate

Repayments

Purpose

Annual
fees

Redraw

Additional
repayments 

Split
rate

Homeloans Ultra Plus Lo Doc 

7.14%pa
(7.50%pa)

Principal & interest

Interest only

Purchase
refinance
debt consolidation
vacant land
construction
equity release

$330

Homeloans Ultra Lo Doc

7.24%pa
(7.30% pa)

Principal & interest

Interest only

Purchase
refinance
debt consolidation
vacant land
construction
equity release

 

*

*

Homeloans MoniPower Lo Doc

8.14%pa
(8.22%pa)

Principal & interest

Interest only

Purchase
refinance
debt consolidation
equity release
business purposes^
construction

 

#

Homeloans ProSmart Lo Doc

7.94%pa
(8.02%pa)

 

Principal & interest

Interest only

Purchase
refinance
debt consolidation
equity release
business purposes^

 

+

 

Lo Doc line of credit

Home loan

Interest
rate &
(comp rate)

Fixed
rate

Repayments

Purpose

Annual
fees

Redraw

Additional
repayments 

Split
rate

Homeloans Ultra Plus Lo Doc LOC

7.29%pa
(7.64%pa)

 

Interest only

Purchase

$330

 

Homeloans Ultra Lo Doc LOC

7.39%pa
(7.46%pa)

 

Interest only

Purchase

 

 

Homeloans MoniPower Lo Doc LOC

8.24%pa
(8.44%pa)

 

Principal & interest

Interest only

Purchase
refinance (owner
occupier only)
vacant land

$150

 

Homeloans ProSmart Lo Doc LOC

8.04%pa
(8.12%pa)

 

Interest only

Purchase
refinance (owner occupier only)

 

 

Frequently Asked Questions

*Redraw and additional repayments are not available during fixed interest period.
^Business purposes excludes working capital and the repayment of personal or business tax liabilities.
~Homeloans ProSmart additional repayments available to a maximum of $10,000 during fixed rate period.
#Homeloans MoniPower and Homeloans MoniPower additional repayments unlimited during variable rate period. To a maximum of $20,000 per annum during fixed rate period.
**Redraw not available during Homeloans ProSmart All In One fixed rate period.
+Additional repayments not available during Homeloans ProSmart Lo Doc fixed rate period.

All applications are subject to normal lending criteria, fees and charges may apply.

Last updated on 03/09/2010.  These rates are indicative only and may vary before your loan is settled.

*The comparison rate is calculated on the basis of a loan of $150,000 over a term of twenty-five years.  View Homeloans' comparison rate schedule.

Warning: This comparison rate applies only to the 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.