Flexibility and understanding

At homeloans.com.au we understand that being self-employed, your financial statements may not be up-to-date or
representative of your business' current performance, or your financial situation may be complex.
Our Options home loan offers a range of alternatives to the usual financial statements required by most lenders, including an
accountant’s verification, Business Activity Statements or business bank statements.

Owner Occupied

From

2.99 % PA

Variable Rate

2.99 % PA

Comparison Rate^

Investment

From

3.14 % PA

Variable Rate

3.14 % PA

Comparison Rate^

Rates shown apply up to 70% LVR with Principal & Interest repayments. See all rates here. Further information below.

Options home loan features

  • No monthly or annual fees
  • 100% offset account
  • Unlimited additional repayments
  • Free online redraw
  • Visa™ Loan Access Card
  • Customer Benefits Program
  • A new tree planted on your behalf
  • No Lender's Mortgage Insurance

Fees
and charges

$0
Upfront fees
$0
Ongoing fees
$0
Exit fees
*Government charges apply. Third party charges may also apply

Availability

  • Owner occupiers or investors (loan purpose affects rates)
  • Loans between $100K and $2M
  • Loans up to 80% of the value of the property (LVR affects max. loan size and rates)
  • Income verified by applicant declaration AND either accountant’s verification OR Business Activity Statements OR business bank statements
  • 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

Talk to us

Need to know:

Terms and condition and credit criteria apply. *Government charges apply. Third party charges may also 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 23 September 2021 and are subject to change, you can view all our rates here.
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