Flexibility and understanding

If you have a history of managing your finances well but have been thrown off course by one of life's unplanned events, we
understand and we're here to help. The homeloans.com.au Flex home loan is an affordable and attainable pathway to
achieve your current and future financial goals.

Owner Occupied


3.34 % PA

Variable Rate

3.43 % PA

Comparison Rate



3.49 % PA

Variable Rate

3.60 % PA

Comparison Rate

Rates shown apply up to 70% LVR with Principal & Interest repayments. See all rates here. Further information below.

Flex home loan features

  • No monthly or annual fees
  • 100% offset account
  • Unlimited additional repayments
  • Free online redraw
  • Visa™ Loan Access Card
  • Customer Benefits Program
  • A new tree planted on your behalf
  • No Lender's Mortgage Insurance (risk fee applies)

and charges

Valuation †
plus legal
+ legal
Risk fee applies - speak to one of our Lending Specialists


  • Owner occupiers or investors (loan purpose affects rates)
  • Loans between $100K and $1.5M
  • Loans up to 90% of the value of the property (LVR affects max loan size and rates)
  • Buying or refinancing an established (not off the plan or construction) residential property
  • Debt consolidation (including ATO debts), cash or business purposes
  • Australian/New Zealand citizens or permanent residents living in Australia

Are you self employed?

No worries. Our Flex home loan has an 'Alt Doc' loan for self-employed applicants whose financial statements may not be up-to-date or representative of current business performance, or with a complex financial situation.
Speak to one of our Lending Specialists about how we can help.

Talk to us

Need to know:

Eligibility criteria apply. Interest rates are effective from 15 March 2021 and are subject to change. Interest rates shown apply to new eligible loans up to 70% LVR with Principal and Interest repayments and may differ depending on borrower type and LVR, and are subject to change (you can view all our rates here). †Valuation cost up to a maximum of $500 provided free of charge. For valuation costs totalling more than $500 a fee may be payable by the applicant. Terms and conditions apply to all loan features. The comparison rate is based on a loan amount of $150,000 over 25 years with fees and charges payable. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
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