Say 'No!' to unfair fees
We've gotten rid of upfront, ongoing and exit fees*
Rates from
Variable rate & Comparison rate^
Impacted by natural disasters?
We’re here to help, financial assistance is available.
Manage your home loan via web browser or our new mobile app!
You can manage your home loan in the way that suits you, whether that’s using the online LoanZone portal or via our new LoanZone mobile app! Features and benefits available on both platforms include: a responsive and user-friendly experience; Pay Anyone functionality; support for one-off, scheduled and recurring payments; enhanced fraud protection security; and on-demand e-statements and transaction history.
Download the free LoanZone app now:
Smart, flexible and cost-effective loans
Owner occupied
Investment
Who is
homeloans.com.au?
homeloans.com.au is an award-winning provider of flexible and competitive home loans for all walks of life, whether you’re a first home buyer, investor, or self-employed, or you’re looking to up-size, down-size, or get back on track after one of life’s speed bumps. We are a wholly owned subsidiary of Resimac Group Ltd ("Resimac", ASX code RMC), a leading non-bank lender in Australia, established in 1985 and recognised as Non-Bank of the Year at the 2020 Australian Mortgage Awards. More about us
55,000+
Join over 55,000 savvy
customers
$14bn+
Of current lending in Australia
and NZ
40+yrs
Helping Australians achieve
financial success since 1985
Why choose homeloans?
All our loans offer great features that help you pay it off sooner, including offset accounts, extra repayments and redraw funds. Our loans are fully funded by our parent company (Resimac Group Ltd), which has over 40 years of experience delivering a diverse range of home finance solutions and was recently recognised as Australia’s best non-bank lender.
Low rates
Super-competitive rates for the life of the loan for a range of borrower situations
$0 homeloans.com.au fees
No Application, Ongoing or Exit fees*
Fair Go Guarantee
We offer the same great rates to new and existing customers
Efficient, online process
Online process that lets you work at your own pace
An amazing team
Australian-based Lending Specialists who provide a service that our customers rave about
Help plant trees
Have your say on our community tree planting projects
Why our customers
love us
How does it work?
SUBMIT
Provide us with your details using our quick, simple and secure process
APPROVE
We'll either approve your application or contact you to put on the finishing touches
FINALISE
You sign, we finalise! If it's a refinance we'll contact your current lender and make all the arrangements
SETTLE
Congratulations! Your new loan settles and you're part of the homeloans.com.au family
Our team of Australian-based Lending Specialists are available to assist you, so if you need to talk to us at any stage throughout the process please don't hesitate to get in touch.
Get Started
To find out if you are eligible or to begin the process, click the buttons below. Using our efficient, online application you can start, stop, save and continue whenever you like!
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.
Talk to us
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.