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emoney home loans

emoney offers competitive home loans with a range of features that can suit your needs.

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Richard Whitten

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emoney is an Australian non-bank lender. On this page you can find information about emoney and its home loans.

emoney key facts

  • emoney is an Australian-owned, online lender and offers a range of different home loans. This includes options for refinancers, investors and self-employed borrowers.
  • emoney is a non-bank lender with access to wholesale funding sources. emoney holds an Australian Credit Licence.
  • This lender also offers mortgage products to lenders with bad credit.

How do I apply for a mortgage from emoney?

When applying for any home loan, you will need various documents to establish your identity, your financial situation, employment status and details about the property.

Eligibility

The following information is general in nature and applies to most home loans. There may be specific criteria that apply for this lender.

  • Age. You must be over 18 years of age.
  • Residency. You should be a resident of Australia.
  • Employment. You should have a regular source of income.

Documents required

When you apply for a mortgage with emoney you are required to provide certain information so make sure you have all your documents ready before you apply. The documents you will be expected to provide are:

📄 Property details. You can start a loan enquiry before you've bought a property. But to complete an application you need the address of the property and a signed contract of sale.

📄 Identification documents. You will need identification such as a driver's licence, passport or birth certificate.

📄 Proof of income documents. Recent payslips can establish your income.

📄 Asset and liability documents. You need to provide documents showing your current assets (savings accounts, investments) and liabilities (your outstanding debt).

How to apply for a home loan

More lenders to compare

Check out Finder's main home loans guide if you want to compare more home loans from a range of lenders. Or you could try one of the following lenders:

  • ING. This online bank is part of the global, Dutch financial group of the same name.
  • Commonwealth Bank. The nation's largest bank has a large selection of home loans and a convenient banking app.
  • UBank. This online bank is actually owned by NAB.
  • Athena. This digital fintech lender offers low-rate mortgages and an entirely online, convenient service.
  • Tic:Toc. This lender's online application tool can process your mortgage application fast. Backed by the Bendigo and Adelaide Bank.
  • Bank of Queensland. Outside of the Big Four this is one of Australia's larger banks. BOQ owns Virgin Money.
  • HSBC. The local Australian banking arm of this international bank offers various home loans.

More guides on Finder

Find the right home loan now

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6 Responses

    Default Gravatar
    tariqSeptember 10, 2014

    Dear sir /Madam

    Am from jordan , i live in Dubai , i need a personal loan , am asking if you do lending money to people they are living out side . like me , am living in Dubai ?

    Reply
      AvatarFinder
      ShirleySeptember 12, 2014Finder

      Hi Tariq,

      Thanks for your question.

      Unfortunately we don’t compare any personal loans for non- Australian residents.

      I’d recommend that you check out a local comparison site, or visit your local bank to discuss your options.

      Cheers,
      Shirley

      Reply
    Default Gravatar
    JillianJuly 14, 2014

    Both me and my husband have bad credit and are unable to refinance. We currently owe $262K on a house worth $520K and have never missed a payment. I work part time and he’s full time and we can afford the repayments but are struggling to find a lender who will help

    Reply
      AvatarFinder
      ShirleyJuly 15, 2014Finder

      Hi Jillian,

      Thanks for your question.

      You may want to have a look at non-conforming lenders – their eligibility criteria is not as strict as the big four banks.

      Cheers,
      Shirley

      Reply
    Default Gravatar
    NancyOctober 22, 2013

    Hi I own my home value $450,000 (?). what level of income would I need to get a line of credit loan for $50’000 for Reno. Ta

    Reply
      AvatarFinder
      MarcOctober 23, 2013Finder

      Hello Nancy,
      thanks for the question.

      Unfortunately this depends on each lender. They have their own unique lending criteria which will help them work out what you’re able to borrow. It may help to speak to a lender you’re interested in first to get an idea of what they would offer before applying.

      I hope this helps,
      Marc.

      Reply
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