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.
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
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
Are your finances
Our Options Home Loan is for self-employed borrowers without a clear-cut financial position.
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
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
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.
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 17 November 2023 and are subject to change, you can view all our rates here.