Low rates and fees

Fast and secure online process

Strong history

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 and New Zealand, established in 1985 and recognised as Non-Bank of the Year at the 2020 Australian Mortgage Awards. For more information about our parent company, Resimac, visit resimac.com.au

50,000+

Join over 50,000 savvy
customers

$15bn+

Of current lending in Australia
and NZ

35yrs

Helping Australians achieve
financial success since 1985

Why choose
homeloans.com.au?

homeloans.com.au is proud to provide Australians with an alternative to the old banking establishment, with smart, cost effective and transparent home loan solutions. We have an industry-leading online application enabling you to join us conveniently in your own time, from the comfort of your own home. You can start, stop, save and continue whenever and wherever you like.
Plus, our amazing team of Australian-based Lending Specialists (who provide a service that our customers rave about), are available to support you every step of the way.
After your loan settles, if you need to contact us for any reason, our Customer Care is here to help. Our goal is to be a trusted partner for all our customers and this philosophy is embedded within our culture.

We offer a range of home loans:

Low Rate Home Loan – for borrowers with a clean credit history who can fully verify their income.
Options Home Loan – a loan typically for self-employed borrowers without a clear-cut financial position.
Flex Home Loan – for those whose credit position has been impacted by one of life's unplanned events. We'll help you get back on track.

All our loans offer great loan features including offset accounts and the ability to make extra repayments and redraw funds Our loans are fully funded by our parent company (Resimac), who was Australia's first issuer of Residential Mortgage-Backed Securities (RMBS).

Fast, online process

Work at your own pace (even if that's real fast!). It's easier than you'd think

No ongoing fees

Because we know that's important to you

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

Why our customers

love us

Five Star Service

Not only did I receive an excellent rate, in addition to an offset account for each loan, I was thoroughly impressed with the customer service I received! I refinanced 3 loans and purchased a 4th all during the same account opening process. My annual savings will exceed 7k, so I am well impressed!

kneill

We are very pleased with the service and competitive rate

homeloans.com.au communicated well with every step in the process to refinance our loan and now we are looking to obtain another loan. When we spoke to the lender we are discharging from, they told us we wouldn't get a good service elsewhere - We achieved a better rate and service with homeloans.com.au.

M_and_R

Excellent service

homeloans.com.au have a great rate and 100% off set account. Their rate is 0.5% lower than my current bank loan rate. I received an excellent service from homeloans.com.au. Loan process was so fast and everything went very well. I highly recommend them.

Saman Perera
100% Recommend!

We have worked with the major banks, smaller credit unions and mortgage brokers and none of them come anywhere near to the service and deal we got with homeloans.com.au. The process was easy, transparent and the customer service we've received has been second to none. The rate we received was better than the mortgage broker could promise us.

Carly B

Skeptical at first,
but passing all tests!

I use a few other 'online' banks, but none could come close to Homeloans.com.au rate. They have fantastic communicating keeping you up to date as things progress. We had signed all the paperwork and awaiting settlement and they rang to say our rate had been cut already! I am recommending them to everyone!

Matt

Excellent service

Am currently working through the application process. Refinancing for the first time after 13 years with my previous bank. Amazing service, clear and prompt communication, hassle free. Should have done this years ago.

Nathan
Home Loan Refinance
Made Easy

We were delighted with the straightforward and relatively easy process to refinance our existing home loan from Macquarie Bank. The homeloans.com.au team were terrific to deal with. We now have a much cheaper mortgage and as an added bonus, homeloans.com.au have also passed on the latest RBA rate cut in full on our mortgage!

Steve L

Excellent service

We recently received a loan for an investment property from Homeloans.com.au. at a highly competitive rate. Any questions we had were answered promptly in a friendly manner. We are very satisfied and would highly recommend them to others who are seeking a home loan.

Michael

Great service, Simple process

Right from the start the service has been exceptional. Contacting via email has been fast and replied to in short time. Phone calls have been answered with all matters dealt with easily. A very competitive interest rate with much better service than our previous big 4 lender.

Jas L

Reviews sourced from productreview.com.au. See all reviews here

Get started

To find out if you are eligible or to begin the process, click the buttons below. Using our fast, online application you can start,
stop, save and continue whenever you like!

SEE IF YOU QUALIFY

GET STARTED

A new tree for every home loan

When you take out a loan with homeloans.com.au, you're also helping to reduce greenhouse gases in the atmosphere through a new tree we plant on your behalf. This one tree will offset 150 kilograms of carbon from Earth's atmosphere over its lifetime. This program is an important part of our DNA, and we're committed to working hand-in-hand with our customers to help create a better future for our planet. Our parent company has planted more then 35,000 trees in the Australian Wheatbelt region, offsetting more than five million kilograms of carbon emissions!