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.
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!
Backyard pods are an adaptive way to bring more flexibility into your home without the expense, time and inconvenience of a renovation. Whether it's creating a home office, the ultimate zone for sleepovers, or just a quiet 'parent only' zone, the choices are endless.
'Bad credit' home loans are more common than you may think. While it would be great if everyone had perfect credit histories, the reality is that life is messy and can often throw curveballs when you least expect it.
Most people have been led to believe that the primary reason paying weekly mortgage payments instead of monthly is a smart move, is because interest is calculated daily on the outstanding balance, and by paying more often, it is expected that this will translate to a significant reduction in the amount of interest paid over the life of the mortgage.
Buying a property is one of the biggest purchases that you will ever make, so understanding and preparing for outgoings, and what exemptions you might be entitled to could make a huge difference to your financial position.
Why our customers
Homeloans has been awesome
Really helpful, no nonsense, got a refinance and a home loan pretty seamlessly. The upload process takes care of a lot of the work, and you just need a couple of calls and emails. The interest rate is the best around for owner-occupier. Highly recommend.
Efficient and streamlined process
Great experience and customer service, from the initial conversation to finalising the refinance loan. Communication was very clear, and the online process was simple and seamless. The team was professional, helpful and super efficient!
Excellent Service and Support
Friendly and professional service, loved every minute of my dealings with the team. From the beginning to end this was an enjoyable experience with a great rate. Will be back with any future home loan requirements.
Streamlined Process, Great Communication
The whole online application and pre-approval was straightforward, the case was handled by the same case owner from beginning to completion, and she was very helpful and friendly, easy to work with, communication was perfect. Thank you homeloans.com.au, you have a happy customer!
Extremely helpful, efficient and great with communication. We are impressed with the service received and the seamless processes in place. We'd definitely recommend others to use homeloans.com.au.
Very quick approval and always communicated as to the progress of the loan application. Overall I am extremely satisfied with the entire process and felt it was one of the best loan application experiences I have had.
Great and quick settlement
The application process was a breeze online. We got quick conditional approval followed by fast valuation. After that formal approval came through asap. It took less than 27 days from application to settlement. I recommend Homeloans.com.au for their great product and awesome customer service!
Great service, great rate, simple, quick
Have just finished refinancing my property and homeloans.com.au have been amazing. Simple process, quick and a fantastic rate. They were proactive and responsive. Homeloans.com.au are the 5th mortgage provider I have dealt with over the last 30 years and they have been the best. Cannot recommend them highly enough.
Outstanding customer service and attractive interest rates
The day I put forward my request for refinance, soon I was contacted by a Lending Specialist. I was well guided during entire process. No surprises nor additional costs incurred. Great interest rates offered at the time as compared to other lenders. I would certainly recommend this to other who are looking to refinance.
Reviews sourced from productreview.com.au. See all reviews here
Risk fee applies - speak to one of our Lending Specialists
Are your finances
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.
Make an offer with confidence, with a home loan pre-approval from
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
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.