Make the right move
Refinance today!
Rates from
Variable rate
Comparison rate^
Refinance to
homeloans.com.au
Feel like you're being taken advantage of by your current lender? Or just want a better deal? Congratulations, you've found the right place. We're not a bank, but the place where knowledgeable homeowners and investors find a better deal and a better experience. Join the other Aussies jumping ship - it's quick and easy!
We offer a range of loan options suited to your situation
OWNER OCCUPIERS
Why pay more than you need to for your biggest monthly bill? If you’re looking for a sharper rate on your owner-occupied home loan, look no further than our award-winning Low Rate Home Loan. We don’t charge any upfront, ongoing or exit fees, and you can refinance with as little as 5% equity in your home.
INVESTORS
The less you pay on your mortgage, the faster you can make a profit. Our Low Rate Home Loan has one of the most competitive rates on the market for investment properties, but if you secure the loan on your owner-occupied home, you can take advantage of our even lower owner-occupied rates! An interest only option is also available.
Why choose homeloans?
Efficient, online process
Work at your own pace (even if that's real fast!). It's easier than you'd think
No ongoing fees
Because we know that's important to you
Low rates
Super-competitive rates for the life of the loan for a range of borrower situations
Plus, our loans come with great features like 100% offset and we allow additional repayments and redraw
Fees
and charges*
Application fees
Ongoing fees
Exit fees
Why our customers
love us
Our loans
help the environment
When you take a loan with homeloans.com.au, you are supporting a business that helps plant trees across Australia. We are working with non-profit group Carbon Positive to support community tree planting projects. Our parent company’s earlier initiatives have helped plant more than 40,000 trees over 10 years.
Acknowledgement of country
homeloans.com.au acknowledges and pays respect to the past, present and future Traditional Custodians and Elders of this nation and the continuation of cultural, spiritual and educational practices of Aboriginal and Torres Strait Islander peoples.
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Need to know:
Terms and conditions and credit criteria apply. *Government and third party charges 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 28 August 2025 and are subject to change, you can view all our rates here.