Why pay more than you need to for your biggest monthly bill? If you’re looking for a sharper rate on your owner-occupied home loan, look no further than our award-winning Low Rate Home Loan. We don’t charge any upfront, ongoing or exit fees, and you can refinance with as little as 5% equity in your home.
Refinance to
homeloans.com.au
Feel like you're being taken advantage of by your current lender? Or just want a better deal? Congratulations, you've found the right place. We're not a bank, but the place where knowledgeable homeowners and investors find a better deal and a better experience. Join the other Aussies jumping ship - it's quick and easy!
We offer a range of loan options suited to your situation
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OWNER OCCUPIERS
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INVESTORS
The less you pay on your mortgage, the faster you can make a profit. Our Low Rate Home Loan has one of the most competitive rates on the market for investment properties, but if you secure the loan on your owner-occupied home, you can take advantage of our even lower owner-occupied rates! An interest only option is also available.
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SELF-EMPLOYED
Tied of being treated like a second class citizen? Our Options Home Loan has been optimised for self-employed borrowers like you, where your most recent business performance is a better indicator of your suitability. Take advantage of some of the most competitive variable rates on the market.
Why choose
homeloans.com.au?
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Fast, online process
Work at your own pace (even if that's real fast!). It's easier than you'd think
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No ongoing fees
Because we know that's important to you
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Low rates
Super-competitive rates for the life of the loan for a range of borrower situations
Plus, our loans come with great features like 100% offset and we allow additional repayments and redraw
Fees and charges*
$0
Applications fees
$0
Ongoing fees
$0
Exit fees
Why our customers
love us
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homeloans.com.au just get it
As a very happy existing customer I get all the benefits of a new customer. All homeloans customers get the Fair Go guarantee, which means all customers get the same rate - new or existing. In the market for a home loan check you must consider homeloans.com.au.
GeorginaAwesome experience so far
What a fantastic gesture!, just received an email from homeloans.com.au to advise they are reducing the interest rate on our existing home loan by 0.25% and we didn't even ask! Simply because they have reduced the interest rate for the same mortgage product we have for their new customers. Treating existing customer as new customer. Wow!! Thanks homeloans.com.au we really appreciate and I'm sure other existing customers will be just as pleased.
Suneeth RThey dropped my rate
What a great surprise to find out they have dropped my rate. Great lender. Ever since I switched from St George Bank I have never been happier. Keep up the great work. Highly recommend this online bank.
Minh H
Reviews sourced from productreview.com.au.
See all reviews here
See all reviews here
Calculator disclaimer
The results from this calculator should be used as an indication only. Results do not represent either quotes or pre-qualifications for the product. Individual institutions apply different formulas. Information such as interest rates quoted and default figures used in the assumptions are subject to change.
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.
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If you're a homeowner with equity in your property, the good news is that you may not need to tap into your savings to fund any upcoming travel.
Here’s the smart way that homeowners are freeing up funds to finance the interior design makeover of their dreams
If you're a homeowner with equity in your property, the good news is that you may not need to tap into your savings to fund your home renovation.
Eight tips to create a green home office
With many information workers now having a more-or-less permanent work-from-home space post-COVID, it's worth considering how to make this space more environmentally friendly. Here are eight tips for going green in your home office.
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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