Homeloans FlexiChoice


No Lenders Mortgage Insurance

Lender’s Mortgage Insurance is not applicable to Homeloans FlexiChoice loans, meaning that the application does not need to meet the approval of mortgage insurers. Please note a LMI waiver fee applies to all loans.

Range of loan purposes

The Homeloans FlexiChoice is available for a number of loan purposes including: purchases; refinance; cash out; debt consolidation including ATO debts; and business purposes.

Credit impairment considered

Applicants will be considered despite adverse credit history, mortgage arrears or discharged bankruptcy.

100% Offset available

Offset your interest charges with extra repayments which can be withdrawn at any time.

Flexible repayment options

Repayments can be made weekly, fortnightly or monthly, and additional repayments can be made.

Principal & Interest or Interest Only

Homeloans FlexiChoice loans can be Principal & Interest or Interest Only up to 5 years.

Available to 90% LVR

Subject to loan purpose, loans can be of up to 90% LVR.

Please note that rate adjustments, fees and loan restrictions may apply to some scenarios. Features shown apply to Full Doc loans. Credit criteria and features may vary for Alt Doc loans.

Interest Rates

Homeloans FlexiChoice Variable Rates

LVR Interest Rates From (Variable) Comparison Rate
LVR <=70% 5.29%pa 5.34%pa
LVR 70.01% – 80% 5.51%pa 5.56%pa
LVR 80.01% – 85% 6.21%pa 6.26%pa
LVR 85.01% – 90% 6.91%pa 6.96%pa

Alt Doc Interest Rates

Homeloans FlexiChoice Alt Doc Variable Rates

LVR Interest Rates From (Variable) Comparison Rate
LVR <=70% 5.39%pa 5.44%pa
LVR 70.01% – 80% 5.71%pa 5.76%pa
LVR 80.01% – 85% 6.41%pa 6.46%pa
LVR 85.01% – 90% 7.11%pa 7.16%pa

Please note that interest rates may vary subject to level of credit impairment or other factors. Credit criteria and product features may vary for Alt Doc loans. Please speak to a Homeloans consultant for more information.

Ready to Get Started?

Interest rates on this site were updated on 15 Nov 2018. Rates shown apply to new business only and may vary before your loan is settled. Rates shown do not apply to all loan sizes, purposes, repayment types, scenarios or LVRs. Click on the loan name for more information. The comparison rate is calculated on the basis of a loan of $150,000 over a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Terms & conditions, fees, charges and credit criteria apply.