We are currently experiencing technical issues with our phone system.

We'd love to help you with your home loan enquiry. While our phone system is down, you can get in touch with us here. We apologise for any inconvenience.

Low Rate Home Loan

Owner Occupied Investment
  Principal & Interest Interest Only Principal & Interest Interest Only
Under 60% LVR 2.14 % p.a. Interest rate 2.16 % p.a. Comparison rate 2.44 % p.a. Interest rate 2.27 % p.a. Comparison rate 2.29 % p.a. Interest rate 2.31 % p.a. Comparison rate 2.59 % p.a. Interest rate 2.42 % p.a. Comparison rate
60-80% LVR 2.24 % p.a. Interest rate 2.26 % p.a. Comparison rate 2.54 % p.a. Interest rate 2.37 % p.a. Comparison rate 2.39 % p.a. Interest rate 2.41 % p.a. Comparison rate 2.69 % p.a. Interest rate 2.52 % p.a. Comparison rate
80-90% LVR 2.59 % p.a. Interest rate 2.61 % p.a. Comparison rate N/A       N/A       2.74 % p.a. Interest rate 2.76 % p.a. Comparison rate 2.89 % p.a. Interest rate 2.81 % p.a. Comparison rate
90-95% LVR 2.79 % p.a. Interest rate 2.81 % p.a. Comparison rate N/A       N/A       2.94 % p.a. Interest rate 2.96 % p.a. Comparison rate N/A       N/A      
  • Owner Occupied
  • Investment
Under 60% LVR
Principal & Interest Interest Only
2.14 % p.a. Interest rate 2.44 % p.a. Interest rate
2.16 % p.a. Comparison Rate 2.27 % p.a. Comparison Rate
60-80% LVR
Principal & Interest Interest Only
2.24 % p.a. Interest rate 2.54 % p.a. Interest rate
2.26 % p.a. Comparison Rate 2.37 % p.a. Comparison Rate
80-90% LVR
Principal & Interest Interest Only
2.59 % p.a. Interest rate N/A  
2.61 % p.a. Comparison Rate N/A  
90-95% LVR
Principal & Interest Interest Only
2.79 % p.a. Interest rate N/A  
2.81 % p.a. Comparison Rate N/A  
Under 60% LVR
Principal & Interest Interest Only
2.29 % p.a. Interest rate 2.59 % p.a. Interest rate
2.31 % p.a. Comparison Rate 2.42 % p.a. Comparison Rate
60-80% LVR
Principal & Interest Interest Only
2.39 % p.a. Interest rate 2.69 % p.a. Interest rate
2.41 % p.a. Comparison Rate 2.52 % p.a. Comparison Rate
80-90% LVR
Principal & Interest Interest Only
2.74 % p.a. Interest rate 2.89 % p.a. Interest rate
2.76 % p.a. Comparison Rate 2.81 % p.a. Comparison Rate
90-95% LVR
Principal & Interest Interest Only
2.94 % p.a. Interest rate N/A  
2.96 % p.a. Comparison Rate N/A  

Quickstart Home Loan

Owner Occupied Investment
  Principal & Interest Interest Only Principal & Interest Interest Only
90-95% LVR 3.59 % p.a. Interest rate 3.61 % p.a. Comparison rate N/A       N/A       N/A       N/A       N/A       N/A      
  • Owner Occupied
  • Investment
90-95% LVR
Principal & Interest Interest Only
3.59 % p.a. Interest rate N/A      
3.61 % p.a. Comparison Rate N/A      
90-95% LVR
Principal & Interest Interest Only
N/A       N/A      
N/A       N/A      

Get started

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!

Get started

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.

Knowledge Base

  • What a valuer looks for in a property

    What a valuer looks for in a property

    There are a number of things a valuer will look for when inspecting your property, so it is worth knowing what could drag down the property's value or what could boost it.

    Understanding stamp duty

    Understanding stamp duty

    Stamp duty is one of the biggest upfront costs when buying property. Take a closer look at how it works and find out how much you are likely to pay.
    5 things you need to know about LMI

    5 things you need to know about LMI

    Tips to help you navigate lenders mortgage insurance – all you need to know.
    Checklist for building a house

    Checklist for building a house

    Keeping on top of costs and timings is vital when you’re building a house and dealing with contractors. Use our handy checklist to stay on track.

Why our customers

love us

  • 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.

    Erik L

    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!

    Mel I

    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.

    Brad
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.
panel clost button

Customer login

Get access to your accounts online.

Account Access

Continue application

Login and complete your application.

Application Login
X
Cookies help us improve your website experience.
By using our website, you agree to our use of cookies.
Confirm