Smart, flexible and cost-effective loans
At homeloans.com.au we know that our savvy customers want flexibility, so all our loans come fully featured with an offset account and the ability to make additional repayments and redraw. Plus, as the name suggests, our low rate home loan offers sharp rates with no monthly or annual fees. If you're seeking a smarter, flexible and cost-effective solution, you've found the place.
Owner Occupied
From
Variable Rate
Comparison Rate^
Investment
From
Variable Rate
Comparison Rate^
Rates shown apply up to and including 60% LVR with Principal & Interest repayments. See all rates here. Further information below.
Low rate home loan features
- No monthly or annual fees
- 100% offset account
- Unlimited additional repayments
- Free online redraw
- Principal & interest or interest only repayments (Note: repayment type affects rates)
- Have your say on our community tree planting projects
- Visa™ Loan Access Card
Fees
and charges*
Application fees
Ongoing fees
Exit fees
Availability
- Owner occupiers or investors (loan purpose affects rates)
- Loans between $100K and $2M
- Loans up to 95% of the value of the property (LVR affects rates)
- Buying or refinancing an established (not off the plan or construction) residential property
- Australian/New Zealand citizens or permanent residents living in Australia
- A good credit history
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.