Fair Go Promise

homeloans.com.au is proud to provide Australians with an alternative to the old banking establishment, with smart, cost effective and transparent home loan solutions.

We believe that everyone deserves a Fair Go, and it is our promise to treat new and existing customers fairly.

This is why we offer our Fair Go Guarantee, which means customers will never pay a higher interest rate than what we’re offering to new customers on like-for-like loans.

It’s also why we offer our Fair Go Rates, which we continually monitor to ensure they are among the fairest and most competitive home loan interest rates on the market.

And it’s why we insist on Fair Go Fees, which is where we’ve ditched unfair fees like upfront, ongoing and exit fees.

We value our customers and are constantly on the lookout for ways to reward their loyalty.

These are not standard big bank practices, but then again, we’re not a bank. And that’s a good thing!
 

Why choose
homeloans.com.au?

All our loans offer great features that help you pay it off sooner, including offset accounts, extra repayments and redraw funds. Our loans are fully funded by our parent company (Resimac Group Ltd), which has over 35 years of experience delivering a diverse range of home finance solutions and was recently recognised as Australia’s best non-bank lender.

Fees
and charges

$0
Upfront fees
$0
Ongoing fees
$0
Exit fees
*Government charges apply. Third party charges may also apply

Home loan account BSB numbers for customers are changing from 1 September Learn more

Information for customers requiring financial assistance Learn more

Maintenance and outages

Due to planned technical systems update, our “Online Application” form will not be available on Wednesday 20th October from 6:00pm - 6:30pm AEDT.
We apologise for any inconvenience caused.

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

1.89 % PA

Variable Rate

1.89 % PA

Comparison Rate^

Investment

From

2.04 % PA

Variable Rate

2.04 % PA

Comparison Rate^

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

    Low Rate Home Loan

    Owner Occupied Investment
      Principal & Interest Interest Only Principal & Interest Interest Only
    Under 60% LVR 1.89 % p.a. Interest rate 1.89 % p.a. Comparison rate^ 2.19 % p.a. Interest rate 2.00 % p.a. Comparison rate^ 2.04 % p.a. Interest rate 2.04 % p.a. Comparison rate^ 2.34 % p.a. Interest rate 2.15 % p.a. Comparison rate^
    60-80% LVR 1.99 % p.a. Interest rate 1.99 % p.a. Comparison rate^ 2.29 % p.a. Interest rate 2.10 % p.a. Comparison rate^ 2.14 % p.a. Interest rate 2.14 % p.a. Comparison rate^ 2.44 % p.a. Interest rate 2.25 % p.a. Comparison rate^
    80-90% LVR 2.59 % p.a. Interest rate 2.59 % p.a. Comparison rate^ N/A       N/A       2.74 % p.a. Interest rate 2.74 % p.a. Comparison rate^ 2.89 % p.a. Interest rate 2.80 % p.a. Comparison rate^
    90-95% LVR 2.79 % p.a. Interest rate 2.79 % p.a. Comparison rate^ N/A       N/A       2.94 % p.a. Interest rate 2.94 % p.a. Comparison rate^ N/A       N/A      
    • Owner Occupied
    • Investment
    Under 60% LVR
    Principal & Interest Interest Only
    1.89 % p.a. Interest rate 2.19 % p.a. Interest rate
    1.89 % p.a. Comparison Rate^ 2.00 % p.a. Comparison Rate^
    60-80% LVR
    Principal & Interest Interest Only
    1.99 % p.a. Interest rate 2.29 % p.a. Interest rate
    1.99 % p.a. Comparison Rate^ 2.10 % p.a. Comparison Rate^
    80-90% LVR
    Principal & Interest Interest Only
    2.59 % p.a. Interest rate N/A  
    2.59 % p.a. Comparison Rate^ N/A  
    90-95% LVR
    Principal & Interest Interest Only
    2.79 % p.a. Interest rate N/A  
    2.79 % p.a. Comparison Rate^ N/A  
    Under 60% LVR
    Principal & Interest Interest Only
    2.04 % p.a. Interest rate 2.34 % p.a. Interest rate
    2.04 % p.a. Comparison Rate^ 2.15 % p.a. Comparison Rate^
    60-80% LVR
    Principal & Interest Interest Only
    2.14 % p.a. Interest rate 2.44 % p.a. Interest rate
    2.14 % p.a. Comparison Rate^ 2.25 % p.a. Comparison Rate^
    80-90% LVR
    Principal & Interest Interest Only
    2.74 % p.a. Interest rate 2.89 % p.a. Interest rate
    2.74 % p.a. Comparison Rate^ 2.80 % p.a. Comparison Rate^
    90-95% LVR
    Principal & Interest Interest Only
    2.94 % p.a. Interest rate N/A  
    2.94 % p.a. Comparison Rate^ N/A  
You came here from our homepage

What property prices can first home buyers afford with a

$100,000 deposit around Australia?

Quickstart makes your deposit work harder and bolsters the property price you can afford by up to $108,000 compared to other
5% deposit home loans.
$100K AS A
20% DEPOSIT
$100K AS A
5% DEPOSIT
$100K AS A 5% DEPOSIT
WITH QUICKSTART
MEDIAN
PROPERTY PRICE
Sydney $480,000 $780,000 $870,000 $895,933
Melbourne $480,000 $710,000 $740,000 $717,767
Brisbane $480,000 $780,000 $880,000 $535,618
Perth $455,000 $710,000 $815,000 $491,795
Adelaide $390,000 $650,000 $720,000 $478,587
Hobart $410,000 $725,000 $833,000 $535,994
Canberra $440,000 $800,000 $890,000 $706,454
Darwin $400,000 $675,000 $760,000 $438,645

First home buyer scenario

Emily and Robert are from Sydney. They’ve saved $100,000 for their first home, including $20,000 that Emily’s parents gifted to them last month. They thought this would be
ample, so they were devastated to learn that as a 20% deposit, their money could only stretch to a $480,000 home.

Upon further research, Emily and Robert discovered they could make their money go further with a home loan that accepted 5% deposits, thus increasing their buying power to $780,000. Alas, Emily has since fallen in love with a two-bedroom apartment only 15 minutes from the CBD for $870,000. Further, they have been advised by their bank that the $20,000 Emily’s parents gifted them needs to be in their bank account for at least three months before they can use it for a deposit.

The couple was delighted to discover Quickstart, which bolsters the property price they can afford to $870,000, and accepts “non-genuine savings” within the deposit.
As Emily and Robert are both employed full-time, careful with their money and have excellent credit histories, homeloans.com.au was happy to approve their loan.

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 1.89 % p.a. Interest rate 1.89 % p.a. Comparison rate^ 2.19 % p.a. Interest rate 2.00 % p.a. Comparison rate^ 2.04 % p.a. Interest rate 2.04 % p.a. Comparison rate^ 2.34 % p.a. Interest rate 2.15 % p.a. Comparison rate^
60-80% LVR 1.99 % p.a. Interest rate 1.99 % p.a. Comparison rate^ 2.29 % p.a. Interest rate 2.10 % p.a. Comparison rate^ 2.14 % p.a. Interest rate 2.14 % p.a. Comparison rate^ 2.44 % p.a. Interest rate 2.25 % p.a. Comparison rate^
80-90% LVR 2.59 % p.a. Interest rate 2.59 % p.a. Comparison rate^ N/A       N/A       2.74 % p.a. Interest rate 2.74 % p.a. Comparison rate^ 2.89 % p.a. Interest rate 2.80 % p.a. Comparison rate^
90-95% LVR 2.79 % p.a. Interest rate 2.79 % p.a. Comparison rate^ N/A       N/A       2.94 % p.a. Interest rate 2.94 % 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 3.59 % 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  
3.59 % p.a. Comparison Rate^ N/A  
90-95% LVR
Principal & Interest Interest Only
N/A       N/A      
N/A       N/A      

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

1.89 % PA

Variable Rate

1.89 % PA

Comparison Rate^

Interest Only

From

2.19 % PA

Variable Rate

2.00 % 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

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

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Need to know:

Terms and condition and credit criteria apply. *Government charges apply. Third party charges may also apply. ^The comparison rate is based on a loan amount of $150,000 over 25 years with fees and charges payable. WARNING: This comparison rate applies only to the example or 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. Interest rates are effective from 23 September 2021 and are subject to change, you can view all our rates here.

Information for customers requiring financial assistance

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