Low rates and fees

Simple and secure online process,
built on trusted experience.

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.com.au?

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

Georgina

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.

Suneeth R

Awesome experience so far

After having challenges with another bank, I approached Resimac to get a home loan. They went above and beyond to work loan through the bank's processes and kept me up to date at every step of the way. The loan was fairly time sensitive and they looked at every available option to get the loan approved, docs issued and settled. I was very happy with the timely result and flexibility offered. I wouldn't hesitate using Resimac again. Well done - 10 out of 10!

Minh H

They 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.

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.

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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.