If you have a question of your own that is not covered below from the customer FAQs below, then please contact us today.
You can access your account and make transactions online or by telephone.
For telephone account access, please see below phone numbers for our different products:
As our customer research has told us that once their loan has been set up the vast majority of our customers would prefer to deal with their home loan provider remotely (by internet, email or telephone), we do not have a network of branches. Our focus is therefore on being able to offer excellent service via our call centre, by email and by providing online account access.
However, as many of our customers do prefer to deal face-to-face to select a loan and carry out the application process, we have a network of satellite offices and mobile loans consultants in many locations Australia-wide, enabling you to visit us, or we can visit you!
Interest is charged daily and calculated for the month. As each month can have different amount of days, the interest charged each month can change.
The fixed rate will take effect from your next monthly repayment due date.
We will send you a letter in the mail approximately one month before your loan’s fixed-rate term is due to expire. The letter will outline the new fixed rates Homeloans can offer you and the new variable rate applicable to your loan should you not choose to fix your rate again.
Loans contracted on or after 1 July 2011 are not subject to Deferred Establishment Fees (DEFs). Prior to this time most lenders, including Homeloans Ltd, included DEFs in mortgage products. These fees would only be levied in the event that the loan was discharged within a specified period. If your loan contract is dated prior to 1 July 2011, it may be subject to a DEF, and this will be outlined in your loan contract.