Variable interest rates on homeloans.com.au loans are decreasing by 0.15%. Rates on our website have been reduced accordingly and they will take effect from 13 November 2020.
Even if you apply before 13 November, our new low rates will apply.
Finance your home with
Congratulations, you've found the right place to finance your property purchase. We're not a bank, but the place where knowledgeable
Australians find smart, flexible and cost-effective home loan solutions. Join the party – it's quick and easy!
Discover a loan made for you in minutes with our fast and secure online application.
*Government charges apply. Third party charges may also apply
The results from this calculator should be used as an indication only. Results do not represent either quotes or pre-qualifications for the product. Individual institutions apply different formulas. Information such as interest rates quoted and default figures used in the assumptions are subject to change.
Up to 2 applicants (over 18 years old)
Australian/New Zealand citizens or permanent residents living in Australia
A good credit history
Buying or refinancing an established property (not off the plan or construction)
Are your finances
Our Options Home Loan is for self-employed borrowers without a clear-cut financial position. Our Quickstart Home Loan offers first home buyers a fast track to property ownership.
Speak to one of our Lending Specialists about how we can help.
Get a home loan pre-approval
Make an offer with confidence, with a home loan pre-approval from
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
Why our customers
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.
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.
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.
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!
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.
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!
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
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!
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.
Reviews sourced from productreview.com.au. See all reviews here
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.