Flexibility and understanding

At homeloans.com.au we understand that being self-employed, your financial statements may not be up-to-date or
representative of your business' current performance, or your financial situation may be complex.
Our Options home loan offers a range of alternatives to the usual financial statements required by most lenders, including an
accountant’s verification, Business Activity Statements or business bank statements.

Owner Occupied


2.99 % PA

Variable Rate

3.01 % PA

Comparison Rate



3.14 % PA

Variable Rate

3.16 % PA

Comparison Rate

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

Options 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

and charges

Valuation †
plus legal
+ legal


  • Owner occupiers or investors (loan purpose affects rates)
  • Loans between $100K and $1.5M
  • Loans up to 80% of the value of the property (LVR affects max. loan size and rates)
  • Income verified by applicant declaration AND either accountant’s verification OR Business Activity Statements OR business bank statements
  • Buying or refinancing an established (not off the plan or construction) residential property
  • Australian/New Zealand citizens or permanent residents living in Australia
  • A good credit history

Credit issues in the past?

No worries. Our Flex Home Loan is designed for those who've been pushed off course by one of life's unplanned events and
is also available for self-employed borrowers without a clear-cut financial position.
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.
panel clost button

Customer login

Get access to your accounts online.

Continue application

Login and complete your application.

Cookies help us improve your website experience.
By using our website, you agree to our use of cookies.