First home
buyer

Flexibility and understanding
SEE IF YOU QUALIFY
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Get your dream start
with homeloans.com.au

Are you ready to claim a place you can truly call your own? You’ve come to the right place.
We understand that as a first home buyer, you have unique concerns and considerations. This is why we offer a full suite of solutions to help you buy your very own slice of paradise, whether you’re self-employed, have a clean credit history, have a deposit of less than 10%, or your deposit includes money from a gift, inheritance, or a first home owner’s grant.

Low Rate Home Loan – for borrowers with a good credit history who can fully verify their income and demonstrate a history of saving for a deposit or making rental payments.
Quickstart Home Loan – for borrowers who need flexibility when it comes to their deposit.
Options Home Loan – a loan typically for self-employed borrowers without a clear-cut financial position.

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.

Low rates

Super-competitive rates for the life of the loan for a range of borrower situations

$0 homeloans.com.au fees*

No Upfront, Ongoing or Exit fees

Fair Go Guarantee

We offer the same great rates to new and existing customers

Fast, online process

Online process that lets you work at your own pace (even if that's real fast!)

An amazing team

Australian-based Lending Specialists who provide a service that our customers rave about

A tree planted

A tree planted for every new home loan

A new tree for every home loan

When you take out a loan with homeloans.com.au, you're also helping to reduce greenhouse gases in the atmosphere through a new tree we plant on your behalf. This one tree will offset 120 kilograms of carbon from Earth's atmosphere over its lifetime. This program is an important part of our DNA, and we're committed to working hand-in-hand with our customers to help create a better future for our planet. Our parent company has planted more then 40,000 trees in the Australian Wheatbelt region, offsetting more than nearly five million kilograms of carbon emissions!

Why our customers

love us

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.

Georgina

Awesome 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 R

They 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
A lovely surprise!

I was very pleasantly surprised when I noticed my variable investment loan interest rate was reduced from 2.29% (already great) to an amazing 2.04%. Because homeloans.com dropped the rate on the product they decided to pass it onto me as well. Fantastic idea and greatly appreciated!

David

Friendly, Transparent, smooth and very Quick overall Excellent

As I am not a broker, just a customer ,I am really HAPPY with the Homeloans, Starting from the application process till the settlement, Quick and Professional response and transparent process. Competitive rates, would highly recommend to friends and others, If you are ready with all the documents process with be quick, I did refinance 2 of my investment property. Best fixed rates IO I would get in the Australian loan market.

Santhosh A

Wow, what great customer service and thank you for looking after me!

Homeloans.com.au are a pleasure to work with. From my first application till settlement, they have always been so accommodating and thoughtful throughout the process. They value me as a customer!

Alan T
No one else could assist me with my loan requirements but homeloans could!

Maria was excellent and the application process easy. I couldn`t get my loan structure set with mainstream lenders but Homeloans could with application to final approval in a week. I highly recommend Homeloans

Not applicable

Rate cut today, legendary!

Just received an email notifying me that the interest rate of my variable loan has been cut. As they perfectly put it, they don't have to but they want to. What a heart warming statement. On top of that, it's not just a one off kindness, it's a result of a policy that rewards loyalty instead of only focusing on bringing in new customers. Now that's a policy I can get on board with. In fact, I think that is a fair policy that everyone should follow. The saving is nice, but what's even better is the feeling of being given a fair go. Well done homeloans.com.au, what a legend!

Charles

Great and smooth process

Excellent customer service and friendly staff. Already have two mortgages with Homeloans. Both processes were quick and smooth with no issues. All enquiries were promptly responded and addressed. Would highly recommend to everyone.

Igor

Reviews sourced from productreview.com.au. See all reviews here

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