Variable interest rates on homeloans.com.au loans are decreasing by 0.15%. Rates on our website have been reduced accordingly and they will take effect from 13 November 2020.
Even if you apply before 13 November, our new low rates will apply.
Finance your home with
Congratulations, you've found the right place to finance your property purchase. We're not a bank, but the place where knowledgeable
Australians find smart, flexible and cost-effective home loan solutions. Join the party – it's quick and easy!
Discover a loan made for you in minutes with our fast and secure online application.
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.
Up to 2 applicants (over 18 years old)
Australian/New Zealand citizens or permanent residents living in Australia
A good credit history
Buying or refinancing an established property (not off the plan or construction)
Are your finances
No worries. Our Flex Home Loan is designed for those who've been pushed off course by one of life's unplanned events.
Our Options Home Loan is for self-employed borrowers without a clear-cut financial position.
Speak to one of our Lending Specialists about how we can help.
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Why our customers
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!
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.
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.
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.
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!
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.
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!
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.
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.
Reviews sourced from productreview.com.au. See all reviews here
Eligibility criteria apply. Interest rates are effective from 13 November 2020 and are subject to change. Interest rates shown apply to new eligible owner occupier loans up to 60% LVR 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.