homeloanHQ Home Loans

Rates and fees last updated on

Want a great rate and straightforward home loan application process?

homeloanHQ is an online lender that follows the principles of the National Consumer Credit Protection Act to ensure that you're issued with a loan that is suitable to your needs.

The group has been providing home loans since 1985 and is an independent operation with their own Credit Licence.

Operating in Australia, the group have thousands of satisfied customers and offers some of the most competitive home loans and refinancing deals in the market. With a single processing centre, the group operates during eastern standard time.

Cash Back Guarantee

Apply for a homeloanHQ Rate Lock Loan and receive $600 cash back upon settlement of the loan.

Compare homeloanHQ home loans

Rates last updated October 18th, 2017
$
Loan purpose
Offset account
Loan type
Your filter criteria do not match any product
Name Product Interest Rate (p.a.) Comp Rate^ (p.a.) Application Fee Ongoing Fees Max LVR Monthly Payment Short Description
3.69%
3.74%
$0
$120 p.a.
80%
A refinancing home loan with competitive rate, redraw facility and split rate options, available for those with LVRs below 70%.
5.15%
5.15%
$0
$120 p.a.
70%
A low interest rate combined with no application fees.
4.19%
4.25%
$0
$120 p.a.
80%
Split your rate into fixed and variable options and get the benefits of both. $600 cashback offer also available.

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Home loans offered by homeloanHQ

Home Loan

A no frills home loan with one of the best rates in the market, plus you may be eligible for a loyalty bonus after five years. With no ongoing fees, you can just focus on making your repayments with this loan.

Rate Lock Loan

You'll be able to fix 50% of your home loan while maintaining a variable rate for the other portion. Interest-only repayments are available with a redraw facility.

Mortgage Bonus Loan

Enjoy features such as extra repayment options, redraw facilities and interest-only repayments in exchange for an annual fee.

What are the pros and cons of a homeloanHQ home loan?

Pros
  • Live chat service. homeloansHQ can provide an instant response if you chat to them within business hours.
  • Competitive rates. Due to the nature of the online lending industry, homeloanHQ is able to offer more competitive rates compared to the big banks.
  • Rate lock with cash back. You can take advantage of a cash back of $600 upon settlement. Limited time only.
Cons
  • Online lender. Depending on how tech-savvy you are, an online lender may not be suitable if you prefer face-to-face communication.
  • No offset account available on loans. homeloanHQ doesn't yet offer an 100% offset account with their home loans.
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How do I apply for homeloanHQ product?

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If you would like to apply for or find out more information about homeloanHQ's range of products, please click on the secure links provided on this page to be taken to their website.

There are three ways you can apply

  • Download the application form
  • Retrieve homeloanHQ's phone number to speak to them
  • Fill in the form provided for pre-approval

Information you'll need to provide for pre-approval

  • Name, contact details, address and email address
  • Required loan amount, estimates of household expenses and income, and loan purpose

What the application form involves

You'll need to state your loan purpose and total loan amount required.

You can apply as a company and/or trust, or as a personal application.

  • Employer information - status, name, address, income.
  • Solicitor and accountant details - name and contact details of your legal and financial professionals will need to be supplied.
  • Reference - name, phone number and relationship to applicant.
  • Financial position - statement of assets and liabilities.
  • Property - details of property to be used as security including price and zoning.
  • Credit history - you've never been declared bankrupt and have had no judgements entered in court against you.
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This page was last modified on 13 September 2017 at 10:28am.

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