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!
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.
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Low rates
Super-competitive rates for the life of the loan for a range of borrower situations
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$0 homeloans.com.au fees*
No Upfront, Ongoing or Exit fees
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Fair Go Guarantee
We offer the same great rates to new and existing customers
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Fast, online process
Online process that lets you work at your own pace (even if that's real fast!)
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An amazing team
Australian-based Lending Specialists who provide a service that our customers rave about
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A tree planted
A tree planted for every new home loan
Fees and charges
$0
Upfront fees
$0
Ongoing fees
$0
Exit fees
*Government charges apply. Third party charges may also apply
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.
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.
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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 See all our rates here.
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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.
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.
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.
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 |
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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 |
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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 | ||
Smart, flexible and cost-effective loans
Owner occupied
Investment
-
Owner Occupied
-
Investment
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
-
Stamp duty exemptions in your state
Stamp duty exemptions vary across states and territories. Here's a breakdown of the main ways to save money on stamp duty.
5 things to know about home loan pre-approval
It's generally advisable to have home loan pre-approval before making an offer on a property. Here are five things you should know before you apply.
Property value and market resilience through lockdowns
Property value, transaction activity and listings are all impacted by lockdowns. Here's what we can learn from 2020 and expect from the rest of 2021.
Thanks for helping us reach 40,000 trees planted!
homeloans.com.au's Carbon Conscious program offsets harmful CO2 emissions and increases biodiversity.
-
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
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
Tips to help you navigate lenders mortgage insurance – all you need to know.
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
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homeloans.com.au just get it
As a very happy existing customer I get all the benefits of a new customer. All homeloans customers get the Fair Go guarantee, which means all customers get the same rate - new or existing. In the market for a home loan check you must consider homeloans.com.au.
GeorginaAwesome experience so far
What a fantastic gesture!, just received an email from homeloans.com.au to advise they are reducing the interest rate on our existing home loan by 0.25% and we didn't even ask! Simply because they have reduced the interest rate for the same mortgage product we have for their new customers. Treating existing customer as new customer. Wow!! Thanks homeloans.com.au we really appreciate and I'm sure other existing customers will be just as pleased.
Suneeth RThey dropped my rate
What a great surprise to find out they have dropped my rate. Great lender. Ever since I switched from St George Bank I have never been happier. Keep up the great work. Highly recommend this online bank.
Minh H
Reviews sourced from productreview.com.au. See all reviews here
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
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
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Get in touch
Call 1800 111 001
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Hours
Monday to Friday
9:00am to 5:30pm AEDT
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Existing Customers
Customer Care
customercare@statecustodians.com.au
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