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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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Home Loan Types
Guides & Help
On this page you can find information about emoney home loans. Skip ahead to the full table of products or read more about the lender.
Competitive emoney rates for...
- Home buyers. The emoney Enhance Variable Home Loan - (Owner Occupier) has a 3.24% p.a. interest rate and lets you borrow up to 80%.
- Investors. The emoney Enhance Investment Fixed Rate Home Loan - 2 Year <= 90% LVR (Investor, P&I) has a 3.34% p.a. interest rate and lets you borrow up to 90%.
Compare emoney home loans
Compare emoney home loan products below and hit "load more" to see a fuller selection of loans. You can also find more information on each individual product by clicking "more info".
emoney lender profile
- emoney is an Australian-owned, online lender and offers a range of different home loans. They're able to offer you such low fees because loans are not brokered through intermediaries, or brokers. Rather, you deal direct and as a result the borrower saves.
- 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 emoney mortgage?
Eligibility
Each emoney product has specific eligibility criteria but some will apply to all products. For example:
- 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:
- Identification documents. You will need identification such as a driver's license, 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).
Detailed guide to home loan applications and paperwork
Looking for more mortgage options?
- Online lenders. Compare more mortgages from online lenders.
- Big Four banks. Check out home loan rates from Australia's Big Four banks.
- Investors. Compare loans for property investors.
- Mortgage brokers. Find out how to get free, expert guidance from a mortgage broker.
Home Loan Offers
Important Information*
Ask an Expert
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 ?
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
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
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
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
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.