• Low rates!

    No upfront, ongoing or exit fees!*

    SEE IF YOU QUALIFY
    GET STARTED

Interest Rate Update

Following the RBA cash rate decision, our home loan variable interest rates are increasing by 0.25%p.a. from 17 May 2022.
Customers should expect to receive a letter in the mail which will include the new details of their interest rate and minimum repayments.

Finance your home with
homeloans.com.au

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.

Principal & Interest

From

3.14 % PA

Variable Rate

3.14 % PA

Comparison Rate^

Interest Only

From

3.44 % PA

Variable Rate

3.24 % PA

Comparison Rate^

Rates shown apply to Low Rate Home Loan Owner Occupier loans of up to and including 60% LVR. See our Investment loans here. See all rates here.

Free Property Reports from .
Get intel on any address in Australia.

Learn more

Fees
and charges

$0
Upfront fees
$0
Ongoing fees
$0
Exit fees
*Government charges apply. Third party charges may also apply

Calculator disclaimer

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.

Eligibility
check

  • 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
complicated?

No worries. 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 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

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

Talk to us

Need to know:

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 21 July 2022 and are subject to change, you can view all our rates here.
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Scheduled system maintenance
Due to planned server maintenance, our “Online Application” form will not be available on Sunday 27th February between 2:00am and 6:00am AEDT.

We apologise for any inconvenience caused.
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