Homeloans

homeloans.com.au home loans

homeloans.com.au has home loans for owner-occupiers and investors, with rates starting from 2.14%.

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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.

Compare homeloans.com.au home loans for September 2021

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years
Name Product Interest Rate (p.a.) Comp. Rate (p.a.) Fees Monthly Payment

homeloans.com.au Low Rate Home Loan with Offset P&IHome≥ 40% Deposit

homeloans.com.au Low Rate Home Loan with Offset
2.14%
2.16%
  • App: $0
  • Ongoing: $0 p.a.
$567
A competitive rate with no application or ongoing fees. This loan is not available for construction.

homeloans.com.au Low Rate Home Loan with Offset P&IInvestment≥ 40% Deposit

homeloans.com.au Low Rate Home Loan with Offset
2.29%
2.31%
  • App: $0
  • Ongoing: $0 p.a.
$578
A competitive rate with no application or ongoing fee. This loan is not available for construction.

homeloans.com.au Low Rate Home Loan with Offset IOHome≥ 40% Deposit

homeloans.com.au Low Rate Home Loan with Offset
2.44%
2.27%
  • App: $0
  • Ongoing: $0 p.a.
$590
A competitive rate with no application or ongoing fee. This loan is not available for construction.

homeloans.com.au Low Rate Home Loan with Offset IOHome≥ 20% Deposit

homeloans.com.au Low Rate Home Loan with Offset
2.54%
2.37%
  • App: $0
  • Ongoing: $0 p.a.
$597
Owner-occupiers with 20% deposits can get this variable interest-only loan.
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homeloans.com.au key facts

  • homeloans.com.au does not offer fixed rate home loans. This is relatively uncommon, and borrowers looking for a low fixed rate loan should consider other options.
  • homeloans.com.au is an online lender owned by Resimac, which is a non-bank lender that has been in business since 1985.
  • You need at least a 20% deposit for many homeloans.com.au home loans, but there are options for borrowers with smaller deposits.

Review by our senior home loans writer Richard Whitten

homeloans.com.au home loan features

Here are the key features and details you need to know about homeloans.com.au's mortgage products.

FeatureDetails
Minimum depositMany 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 accountMany homeloans.com.au loans come with offset accounts.
Feeshomeloans.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.

How do I apply for a homeloans.com.au mortgage?

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

Each homeloans.com.au 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 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).

How to apply for a home loan

Lenders like homeloans.com.au

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:

  • 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.
  • UBank. This online bank is actually owned by NAB.
  • Homestar. A 100% online lender, Homestar has been providing mortgages to Australian borrowers since 2004.
  • Loans.com.au. A Brisbane-based online lender, Loans.com.au is backed by Firstmac, Australia's largest non-bank lender.
  • ME Bank. Member's Equity was established back in 1994 and went fully digital in 2012.
  • ING. This online bank is part of the global, Dutch-based financial group of the same name.

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