Abode home loans

Being a 100% Australian-owned non-bank lender with 30 years experience, Abode Home Loans could have the right loan for you.

As part of the Pioneer Mortgages group of companies, Abode Home Loans is an online lender offering multiple home loans as well as access to many products from some of Australia’s biggest lenders. Abode Home Loans operates completely online, so you can not only apply for your home loan and receive pre-approval within minutes, you can also order a free property report with just a click of a button.

Abode Home Loans has over 20 years of lending industry experience and has staff members available to chat with you about your financial needs.

Who is Abode Home Loans?

Abode Home Loans is the online brand of the Pioneer Mortgages group of companies that have assisted and continue to assist thousands of customers in Australia and New Zealand with their lending needs. Based in Queensland’s Gold Coast and with funding and products from some of Australia’s largest lenders, Abode has a loan to suit every borrower's needs.

Home loans provided by Abode Home Loans

With a selection of its own products to offer customers as well as access to many others, Abode Home Loans will work to find the right loan for you.Standard variable home loans

Standard variable home loans

Abode has a range of standard variable home loans, including a construction loan, line of credit and an offset home loan. These standard home loans come with a mix of different features that cater to all kinds of borrowing needs. different needs of customers.

Low doc home loans

Abode Home Loans offers multiple low documentation options for the self-employed. Unlike other low doc home loans, Business Activity Statements (BAS) for the past two years are not required for Abode’s Low Doc Home Loan (up to 90% loan-to-value ratio). If you’ve only recently started your own business, this may be the loan for yo. You’ll just need to sign a declaration telling Abode Home Loans what your income is and have your accountant support this.

Specialist home loans

If you’re having trouble getting approval with a standard loan application, Abode Home Loans has specialist home loans that don’t require a credit check and are instead reviewed by one of the lending specialists at Abode who takes into account your personal circumstances.

The Specialist Home Loan and Specialist Low Doc Home Loan offer solutions to borrowing needs that may not conform to the standard home loan application requirements.

Fixed rate home loans

Abode Home Loans offers a standard fixed rate home loan, a low doc fixed rate home loan and a fixed rate home loan for investment purposes. With competitive fixed rates and no upfront or ongoing fees, an Abode fixed rate home loan can help you stick to your home loan budget.

Investment home loans

All the above loan types can be used for the purposes of purchasing an investment property with all the same features and just a small difference in the interest rates. You can also use a Deposit Loan to refinance your current home loan with Abode Home Loans and use your equity for the deposit to purchase an investment property.

Pros and cons of Abode Home Loans


  • Competitive rates and fees. As an online-only lender, Abode Home Loans can offer competitive rates and fees.
  • Governance. Abode Home Loans are full members of the Finance Brokers Association of Australia Limited (FBAA) and the Mortgage & Finance Association of Australia (MFAA).
  • Customer service. You can chat to experienced staff over the phone or online for help with all of your financial needs.


  • No branches. If you prefer the personal face-to-face service offered in a branch, then Abode Home Loans may not be right for you, as it has no physical branches. Assistance is only available online or over the phone.

How do you apply for an Abode home loan?

If an Abode home loan sounds like it may be suited to your borrowing needs, all you need to do is fill out the quick online application. Once submitted, one of the many Abode Home Loan lending specialists will contact you to discuss your lending needs.

You can also get online pre-approval using the pre-approval form on its homepage. Just enter the basic details of your income and expenses, the amount you want to borrow and the property price. Once this is completed, you will be shown how much you can borrow and the pre-approval certificate will be sent to you via email or SMS.

You should always do your research when looking at home loans and compare multiple loans to make sure you find the one that is right for you. If you’re interested in what Abode Home Loans has to offer, contact one of its lending specialists to find a home loan that suits your needs.

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