Interest Rate Update

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
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

2.14 % PA

Variable Rate

2.16 % PA

Comparison Rate

Interest Only

From

2.44 % PA

Variable Rate

2.27 % 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.

Fees
and charges

$0
Application
$0
Valuation †
$0
Annual
$300
plus legal
+ legal
Discharge

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 Flex Home Loan is designed for those who've been pushed off course by one of life's unplanned events.
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 has been awesome

    Really helpful, no nonsense, got a refinance and a home loan pretty seamlessly. The upload process takes care of a lot of the work, and you just need a couple of calls and emails. The interest rate is the best around for owner-occupier. Highly recommend.

    Erik L

    Efficient and streamlined process

    Great experience and customer service, from the initial conversation to finalising the refinance loan. Communication was very clear, and the online process was simple and seamless. The team was professional, helpful and super efficient!

    Mel I

    Excellent Service and Support

    Friendly and professional service, loved every minute of my dealings with the team. From the beginning to end this was an enjoyable experience with a great rate. Will be back with any future home loan requirements.

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

Talk to us

Need to know:

Eligibility criteria apply. Interest rates are effective from 13 November 2020 and are subject to change. Interest rates shown apply to new eligible owner occupier loans up to 60% LVR and may differ depending on borrower type and LVR, and are subject to change (you can view all our rates here). †Valuation cost up to a maximum of $500 provided free of charge. For valuation costs totalling more than $500 a fee may be payable by the applicant. Terms and conditions apply to all loan features. The comparison rate is based on a loan amount of $150,000 over 25 years with fees and charges payable. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
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