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Fair Go Promise
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 believe that everyone deserves a Fair Go, and it is our promise to treat new and existing customers fairly.
This is why we offer our Fair Go Guarantee, which means customers will never pay a higher interest rate than what we’re offering to new customers on like-for-like loans.
It’s also why we offer our Fair Go Rates, which we continually monitor to ensure they are among the fairest and most competitive home loan interest rates on the market.
And it’s why we insist on Fair Go Fees, which is where we’ve ditched unfair fees like upfront, ongoing and exit fees*.
We value our customers and are constantly on the lookout for ways to reward their loyalty.
These are not standard big bank practices, but then again, we’re not a bank. And that’s a good thing!
We believe that everyone deserves a Fair Go, and it is our promise to treat new and existing customers fairly.
This is why we offer our Fair Go Guarantee, which means customers will never pay a higher interest rate than what we’re offering to new customers on like-for-like loans.
It’s also why we offer our Fair Go Rates, which we continually monitor to ensure they are among the fairest and most competitive home loan interest rates on the market.
And it’s why we insist on Fair Go Fees, which is where we’ve ditched unfair fees like upfront, ongoing and exit fees*.
We value our customers and are constantly on the lookout for ways to reward their loyalty.
These are not standard big bank practices, but then again, we’re not a bank. And that’s a good thing!
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 35 years of experience delivering a diverse range of home finance solutions and was recently recognised as Australia’s best non-bank lender.
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Low rates
Super-competitive rates for the life of the loan for a range of borrower situations
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$0 homeloans.com.au fees
No Application, Ongoing or Exit fees*
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Fair Go Guarantee
We offer the same great rates to new and existing customers
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Fast, online process
Online process that lets you work at your own pace (even if that's real fast!)
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An amazing team
Australian-based Lending Specialists who provide a service that our customers rave about
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Help plant trees
Have your say on our community tree planting projects
Fees and charges*
$0
Applications fees
$0
Ongoing fees
$0
Exit fees
Smart, flexible and cost-effective loans
At homeloans.com.au we know that our savvy customers want flexibility, so all our loans come fully featured with an offset
account and the ability to make additional repayments and redraw.
Plus, as the name suggests, our low rate home loan offers sharp rates with no monthly or annual fees.
If you're seeking a smarter, flexible and cost-effective solution, you've found the place.
account and the ability to make additional repayments and redraw.
Plus, as the name suggests, our low rate home loan offers sharp rates with no monthly or annual fees.
If you're seeking a smarter, flexible and cost-effective solution, you've found the place.
Owner Occupied
From
6.39
%
PA
Variable Rate
6.39
%
PA
Comparison Rate^
Investment
From
6.54
%
PA
Variable Rate
6.54
%
PA
Comparison Rate^
Rates shown apply up to and including 60% LVR with Principal & Interest repayments. Further information below.
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View all rates here
Low Rate Home Loan
Owner Occupied Investment Principal & Interest Interest Only Principal & Interest Interest Only ≤ 60% LVR 6.39 % p.a. Interest rate 6.39 % p.a. Comparison rate 6.69 % p.a. Interest rate 6.49 % p.a. Comparison rate 6.54 % p.a. Interest rate 6.54 % p.a. Comparison rate 6.84 % p.a. Interest rate 6.63 % p.a. Comparison rate 60.01 - 80% LVR 6.49 % p.a. Interest rate 6.49 % p.a. Comparison rate 6.79 % p.a. Interest rate 6.58 % p.a. Comparison rate 6.64 % p.a. Interest rate 6.64 % p.a. Comparison rate 6.94 % p.a. Interest rate 6.73 % p.a. Comparison rate 80.01 - 90% LVR 7.09 % p.a. Interest rate 7.09 % p.a. Comparison rate N/A N/A 7.24 % p.a. Interest rate 7.24 % p.a. Comparison rate 7.39 % p.a. Interest rate 7.29 % p.a. Comparison rate 90.01 - 95% LVR 7.29 % p.a. Interest rate 7.29 % p.a. Comparison rate N/A N/A 7.44 % p.a. Interest rate 7.44 % p.a. Comparison rate N/A N/A -
Owner Occupied
-
Investment
≤ 60% LVR Principal & Interest Interest Only 6.39 % p.a. Interest rate 6.69 % p.a. Interest rate 6.39 % p.a. Comparison Rate 6.49 % p.a. Comparison Rate 60.01 - 80% LVR Principal & Interest Interest Only 6.49 % p.a. Interest rate 6.79 % p.a. Interest rate 6.49 % p.a. Comparison Rate 6.58 % p.a. Comparison Rate 80.01 - 90% LVR Principal & Interest Interest Only 7.09 % p.a. Interest rate N/A 7.09 % p.a. Comparison Rate N/A 90.01 - 95% LVR Principal & Interest Interest Only 7.29 % p.a. Interest rate N/A 7.29 % p.a. Comparison Rate N/A ≤ 60% LVR Principal & Interest Interest Only 6.54 % p.a. Interest rate 6.84 % p.a. Interest rate 6.54 % p.a. Comparison Rate 6.63 % p.a. Comparison Rate 60.01 - 80% LVR Principal & Interest Interest Only 6.64 % p.a. Interest rate 6.94 % p.a. Interest rate 6.64 % p.a. Comparison Rate 6.73 % p.a. Comparison Rate 80.01 - 90% LVR Principal & Interest Interest Only 7.24 % p.a. Interest rate 7.39 % p.a. Interest rate 7.24 % p.a. Comparison Rate 7.29 % p.a. Comparison Rate 90.01 - 95% LVR Principal & Interest Interest Only 7.44 % p.a. Interest rate N/A 7.44 % p.a. Comparison Rate N/A See all our rates here.
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What property prices can first home buyers afford with a
$100,000 deposit around Australia?
Quickstart makes your deposit work harder and bolsters the property price you can afford by up to $108,000 compared to other
5% deposit home loans.
5% deposit home loans.
| $100K AS A 20% DEPOSIT |
$100K AS A 5% DEPOSIT |
$100K AS A 5% DEPOSIT WITH QUICKSTART |
MEDIAN PROPERTY PRICE |
|
|---|---|---|---|---|
| Sydney | $480,000 | $780,000 | $870,000 | $895,933 |
| Melbourne | $480,000 | $710,000 | $740,000 | $717,767 |
| Brisbane | $480,000 | $780,000 | $880,000 | $535,618 |
| Perth | $455,000 | $710,000 | $815,000 | $491,795 |
| Adelaide | $390,000 | $650,000 | $720,000 | $478,587 |
| Hobart | $410,000 | $725,000 | $833,000 | $535,994 |
| Canberra | $440,000 | $800,000 | $890,000 | $706,454 |
| Darwin | $400,000 | $675,000 | $760,000 | $438,645 |
First home buyer scenario
Emily and Robert are from Sydney. They’ve saved $100,000 for their first home, including $20,000 that Emily’s
parents gifted to them last month. They thought this would be
ample, so they were devastated to learn that as a 20% deposit, their money could only stretch to a $480,000 home.
Upon further research, Emily and Robert discovered they could make their money go further with a home loan that accepted 5% deposits, thus increasing their buying power to $780,000. Alas, Emily has since fallen in love with a two-bedroom apartment only 15 minutes from the CBD for $870,000. Further, they have been advised by their bank that the $20,000 Emily’s parents gifted them needs to be in their bank account for at least three months before they can use it for a deposit.
The couple was delighted to discover Quickstart, which bolsters the property price they can afford to $870,000, and accepts “non-genuine savings” within the deposit.
As Emily and Robert are both employed full-time, careful with their money and have excellent credit histories, homeloans.com.au was happy to approve their loan.
ample, so they were devastated to learn that as a 20% deposit, their money could only stretch to a $480,000 home.
Upon further research, Emily and Robert discovered they could make their money go further with a home loan that accepted 5% deposits, thus increasing their buying power to $780,000. Alas, Emily has since fallen in love with a two-bedroom apartment only 15 minutes from the CBD for $870,000. Further, they have been advised by their bank that the $20,000 Emily’s parents gifted them needs to be in their bank account for at least three months before they can use it for a deposit.
The couple was delighted to discover Quickstart, which bolsters the property price they can afford to $870,000, and accepts “non-genuine savings” within the deposit.
As Emily and Robert are both employed full-time, careful with their money and have excellent credit histories, homeloans.com.au was happy to approve their loan.
Low Rate Home Loan
| Owner Occupied | Investment | |||||||
|---|---|---|---|---|---|---|---|---|
| Principal & Interest | Interest Only | Principal & Interest | Interest Only | |||||
| Under 60% LVR | 1.89 % p.a. Interest rate | 1.89 % p.a. Comparison rate^ | 2.19 % p.a. Interest rate | 2.00 % p.a. Comparison rate^ | 2.04 % p.a. Interest rate | 2.04 % p.a. Comparison rate^ | 2.34 % p.a. Interest rate | 2.15 % p.a. Comparison rate^ |
| 60-80% LVR | 1.99 % p.a. Interest rate | 1.99 % p.a. Comparison rate^ | 2.29 % p.a. Interest rate | 2.10 % p.a. Comparison rate^ | 2.14 % p.a. Interest rate | 2.14 % p.a. Comparison rate^ | 2.44 % p.a. Interest rate | 2.25 % p.a. Comparison rate^ |
| 80-90% LVR | 2.59 % p.a. Interest rate | 2.59 % p.a. Comparison rate^ | N/A | N/A | 2.74 % p.a. Interest rate | 2.74 % p.a. Comparison rate^ | 2.89 % p.a. Interest rate | 2.80 % p.a. Comparison rate^ |
| 90-95% LVR | 2.79 % p.a. Interest rate | 2.79 % p.a. Comparison rate^ | N/A | N/A | 2.94 % p.a. Interest rate | 2.94 % p.a. Comparison rate^ | N/A | N/A |
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Owner Occupied
-
Investment
| Under 60% LVR | |||
|---|---|---|---|
| Principal & Interest | Interest Only | ||
| 2.14 % p.a. Interest rate | 2.44 % p.a. Interest rate | ||
| 2.16 % p.a. Comparison Rate | 2.27 % p.a. Comparison Rate | ||
| 60-80% LVR | |||
| Principal & Interest | Interest Only | ||
| 2.24 % p.a. Interest rate | 2.54 % p.a. Interest rate | ||
| 2.26 % p.a. Comparison Rate | 2.37 % p.a. Comparison Rate | ||
| 80-90% LVR | |||
| Principal & Interest | Interest Only | ||
| 2.59 % p.a. Interest rate | N/A | ||
| 2.61 % p.a. Comparison Rate | N/A | ||
| 90-95% LVR | |||
| Principal & Interest | Interest Only | ||
| 2.79 % p.a. Interest rate | N/A | ||
| 2.81 % p.a. Comparison Rate | N/A | ||
| Under 60% LVR | |||
|---|---|---|---|
| Principal & Interest | Interest Only | ||
| 2.29 % p.a. Interest rate | 2.59 % p.a. Interest rate | ||
| 2.31 % p.a. Comparison Rate | 2.42 % p.a. Comparison Rate | ||
| 60-80% LVR | |||
| Principal & Interest | Interest Only | ||
| 2.39 % p.a. Interest rate | 2.69 % p.a. Interest rate | ||
| 2.41 % p.a. Comparison Rate | 2.52 % p.a. Comparison Rate | ||
| 80-90% LVR | |||
| Principal & Interest | Interest Only | ||
| 2.74 % p.a. Interest rate | 2.89 % p.a. Interest rate | ||
| 2.76 % p.a. Comparison Rate | 2.81 % p.a. Comparison Rate | ||
| 90-95% LVR | |||
| Principal & Interest | Interest Only | ||
| 2.94 % p.a. Interest rate | N/A | ||
| 2.96 % p.a. Comparison Rate | N/A | ||
Quickstart Home Loan
| Owner Occupied | Investment | |||||||
|---|---|---|---|---|---|---|---|---|
| Principal & Interest | Interest Only | Principal & Interest | Interest Only | |||||
| 90.01 - 95% LVR | 7.24 % p.a. Interest rate | 7.24 % p.a. Comparison rate | N/A | N/A | N/A | N/A | N/A | N/A |
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Owner Occupied
-
Investment
| 90.01 - 95% LVR | |||
|---|---|---|---|
| Principal & Interest | Interest Only | ||
| 7.24 % p.a. Interest rate | N/A | ||
| 7.24 % p.a. Comparison Rate | N/A | ||
| 90.01 - 95% LVR | |||
|---|---|---|---|
| Principal & Interest | Interest Only | ||
| N/A | N/A | ||
| N/A | N/A | ||
Smart, flexible and cost-effective loans
Owner occupied
Investment
-
Owner Occupied
-
Investment
Refinance to
homeloans.com.au
Feel like you've been 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 find a better deal and a better experience. Join the party - it's quick and easy!
Principal & Interest
From
6.39
%
PA
Variable Rate
6.39
%
PA
Comparison Rate^
Interest Only
From
6.69
%
PA
Variable Rate
6.49
%
PA
Comparison Rate^
Rates shown apply to Low Rate Home Loan Owner Occupier loans of up to and including 60% LVR. See our Investment loans here. See all rates here.
Blog
-
Home Guarantee Scheme expands
First homebuyers can pay a deposit as low as two per cent through the Home Guarantee Scheme.
Here's the smart way that homeowners are freeing up funds to finance the trip of a lifetime
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.
-
Five ways to transform your spare room
Got a spare bedroom? Make sure you're making the most of the extra space with our top tips on different room ideas you can consider. These aren't mutually exclusive, either – you can consider creating a multifunctional space that incorporates two or more ideas in the one room.
Here's the smart way that homeowners are freeing up funds to finance the trip of a lifetime
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.
Why our customers
love us
-
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
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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You can learn more about how pre-approval works here.
How does it work
Try our quick and easy online pre-approval tool, which can give you pre-approval
in as little as 20 minutes. Get started
You can learn more about how pre-approval works here.
How does it work
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Call 1800 111 001
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