Lender
Advertised rate Comparison rate* Monthly repayment Rate TypeOffsetRedrawOngoing FeeUpfront FeesLVRLump Sum RepaymentAdditional RepaymentsPre-approval

VariableMore details
100% FULL OFFSET ACCOUNTNO APPLICATION FEE OR ONGOING FEES

Low Rate Home Loan - Prime (Principal and Interest) (Owner Occupied) (LVR < 60%)

  • No upfront or ongoing fees
  • 100% full offset account
  • Extra repayments + redraw services
100% FULL OFFSET ACCOUNTNO APPLICATION FEE OR ONGOING FEES

Low Rate Home Loan - Prime (Principal and Interest) (Owner Occupied) (LVR < 60%)

  • No upfront or ongoing fees
  • 100% full offset account
  • Extra repayments + redraw services
VariableMore details
GET A FULL OFFSET ACCOUNT FOR NO EXTRA COST

Low Rate Home Loan - Prime (Principal and Interest) (Investment) (LVR < 60%)

  • No upfront or ongoing fees
  • 100% full offset account
  • Extra repayments + redraw services
GET A FULL OFFSET ACCOUNT FOR NO EXTRA COST

Low Rate Home Loan - Prime (Principal and Interest) (Investment) (LVR < 60%)

  • No upfront or ongoing fees
  • 100% full offset account
  • Extra repayments + redraw services
VariableMore details
NO UPFRONT OR ONGOING FEES

Low Rate Home Loan - Prime (Principal and Interest) (Investment) (LVR < 80%)

  • No upfront or ongoing fees
  • 100% full offset account
  • Unlimited extra repayments
NO UPFRONT OR ONGOING FEES

Low Rate Home Loan - Prime (Principal and Interest) (Investment) (LVR < 80%)

  • No upfront or ongoing fees
  • 100% full offset account
  • Unlimited extra repayments
VariableMore details
NO UPFRONT OR ONGOING FEES

Low Rate Home Loan - Prime (Principal and Interest) (Owner Occupied) (LVR < 90%)

NO UPFRONT OR ONGOING FEES
VariableMore details
NO UPFRONT OR ONGOING FEES

Low Rate Home Loan - Prime (Principal and Interest) (Owner Occupied) (LVR < 95%)

NO UPFRONT OR ONGOING FEES
VariableMore details
NO UPFRONT OR ONGOING FEES

Low Rate Home Loan - Prime (Principal and Interest) (Investment) (LVR < 90%)

NO UPFRONT OR ONGOING FEES

Base criteria of: a $400,000 loan amount, variable, fixed, principal and interest (P&I) home loans with an LVR (loan-to-value) ratio of at least 80%. However, the ‘Compare Home Loans’ table allows for calculations to made on variables as selected and input by the user. All products will list the LVR with the product and rate which are clearly published on the Product Provider’s web site. Monthly repayments, once the base criteria are altered by the user, will be based on the selected products’ advertised rates and determined by the loan amount, repayment type, loan term and LVR as input by the user/you. *Comparison rate is based on a loan of $150,000 over a term of 25 years. Please note the comparison rate only applies to the examples given Rates correct as of January 18, 2022.

homeloans.com.au has been providing Australians with a refreshing alternative to the banks for their home finance since 1985. This lender specialises in home loans and offers a wide range of products to meet the needs of all types of customers, from first home buyers to investors.

homeloans.com.au has been listed on the Australian Securities Exchange (ASX) since 2001, with National Australia Bank and Macquarie Bank as its major shareholders. In October 2016, it merged with another of Australia’s most respected non-bank lenders, RESIMAC Limited. It also provides home loan solutions for New Zealand customers through RESIMAC Direct.

As it is ASX-listed, its customers and investors have the assurance that it is backed by nationwide strength and security. Being publicly listed also means it has to adhere to the ASX’s strict standards on reporting and transparency in the way it runs its business.

Furthermore, it is a member of the MFAA and lives by the MFAA Code of Practice. This code ensures professional standards are set and maintained, and that it operates under ethical and fair business practices. homeloans.com.au is also proud to be carbon conscious meaning a tree is planted for every loan settled.

homeloans.com.au prides itself on its service, which has seen it win a number of industry awards and achieve customer satisfaction levels of over 97%. It does not have traditional branches, but it has a number of satellite sales offices nationwide (in Perth, Sydney and Adelaide).

The national presence of homeloans.com.au, means it can manage your finance needs via its network of dedicated loan consultants and sales offices. Its customer services team will help you through all stages of the loan application process and be there for you throughout the life of the loan.

As a benefit of having a loan with homeloans.com.au, you are entitled to its customer benefits program which provides a range of amazing offers from discounts on grocery shopping and fuel to great deals on dining and entertainment.

To apply for a home loan with homeloans.com.au, you can complete a secure online loan application form, download an application form or call through to the contact centre for more support.

For your loan application, you will need to supply the following:

  • Contact details
  • Proof of identity
  • Proof of income including last two months’ payslips or last two years’ tax returns if you are self-employed
  • Three months’ savings history, credit card statements and bank account statements