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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. 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 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      
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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 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      

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

Fees
and charges

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

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:

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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