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To find out if you are eligible or to begin the process, click the buttons below. Using our fast, online application you can start,
stop, save and continue whenever you like!

Smart, flexible and cost-effective loans

At homeloans.com.au we know that our savvy customers want flexibility, so all our loans come fully featured with an offset
account and the ability to make additional repayments and redraw.
Plus, as the name suggests, our low rate home loan offers sharp rates with no monthly or annual fees.
If you're seeking a smarter, flexible and cost-effective solution, you've found the place.

Owner Occupied

From

2.14 % PA

Variable Rate

2.16 % PA

Comparison Rate

Investment

From

2.29 % PA

Variable Rate

2.31 % PA

Comparison Rate

Rates shown apply up to 60% LVR with Principal & Interest repayments. See all rates here. Further information below.

Refinance to
homeloans.com.au

Feel like you've been taken advantage of by your current lender? Or just want a better deal? Congratulations, you've found the right place. We're not a bank, but the place  where knowledgeable homeowners find a better deal and a better experience. Join the party - it's quick and easy!

Principal & Interest

From

2.14 % PA

Variable Rate

2.16 % PA

Comparison Rate

Interest Only

From

2.44 % PA

Variable Rate

2.27 % PA

Comparison Rate

Rates shown apply to Low Rate Home Loan Owner Occupier loans of up to 60% LVR. See our Investment loans here. See all rates here.
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Why our customers

love us

  • Five Star Service

    Not only did I receive an excellent rate, in addition to an offset account for each loan, I was thoroughly impressed with the customer service I received! I refinanced 3 loans and purchased a 4th all during the same account opening process. My annual savings will exceed 7k, so I am well impressed!

    kneill

    We are very pleased with the service and competitive rate

    homeloans.com.au communicated well with every step in the process to refinance our loan and now we are looking to obtain another loan. When we spoke to the lender we are discharging from, they told us we wouldn't get a good service elsewhere - We achieved a better rate and service with homeloans.com.au.

    M_and_R

    Excellent service

    homeloans.com.au have a great rate and 100% off set account. Their rate is 0.5% lower than my current bank loan rate. I received an excellent service from homeloans.com.au. Loan process was so fast and everything went very well. I highly recommend them.

    Saman Perera
Reviews sourced from productreview.com.au. See all reviews here

Fees
and charges

$0
Application
$0
Valuation †
$0
Annual
$300
plus legal
+ legal
Discharge
Risk fee applies - speak to one of our Lending Specialists

Are your finances
complicated?

No worries. Our Flex Home Loan is designed for those who've been pushed off course by one of life's unplanned events.
Our Options Home Loan is for self-employed borrowers without a clear-cut financial position.
Speak to one of our Lending Specialists about how we can help.

Talk to us

Get a home loan pre-approval

Make an offer with confidence, with a home loan pre-approval from homeloans.com.au!
Try our quick and easy online pre-approval tool, which can give you pre-approval
in as little as 20 minutes. Get started

You can learn more about how pre-approval works here.
How does it work

Talk to us

Need to know:

Eligibility criteria apply. Interest rates are effective from 13 November 2020 and are subject to change. Interest rates shown apply to new eligible loans up to 60% LVR with Principal and Interest repayments and may differ depending on borrower type and LVR, and are subject to change (you can view all our rates here). Terms and conditions apply to all loan features. The comparison rate is based on a loan amount of $150,000 over 25 years with fees and charges payable. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
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