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homeloans.com.au is an online Australian lender owned by the Resimac Group. homeloans.com.au has variable rate home loans for investors and owner-occupiers. Check out the full table of homeloans.com.au products below or read more about the lender and its loans.
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Review by our senior home loans writer Richard Whitten
Here are the key features and details you need to know about homeloans.com.au's mortgage products.
| Feature | Details |
|---|---|
| Minimum deposit | Many homeloans.com.au loans have 80% maximum LVRs. This means you can borrow up to 80% with a homeloans.com.au mortgage. But the lender has a few options for borrowers with low deposits (that is, deposits below 20%). |
| Offset account | Many homeloans.com.au loans come with offset accounts. |
| Fees | homeloans.com.au loans have very low fees, including no application or ongoing fees on many loans. This could save you hundreds of dollars in loan costs. |
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.
Each homeloans.com.au product has specific eligibility criteria but some will apply to all products. For example:
When you apply for a mortgage with homeloans.com.au, 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 (such as savings accounts and investments) and liabilities (for example, any outstanding debt you may have).
If you want to compare loans from lenders similar to homeloans.com.au, then you can start with these online lenders. They all have competitive rates and may be a better match for your needs:
The homeloans.com.au Low Rate Home Loan with Offset is fee-free and features a 100% offset account.
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Get a cash lump sum of $2,000+ for refinancing to a low-rate loan.
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