Horizon Bank

Horizon Bank home loans

Horizon Bank has home loan rates starting from 2.29%.

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Horizon Bank offers a range of home loans for Australian borrowers. Check out the full table of Horizon Bank products below or read more about the lender.

Compare Horizon Bank home loans for December 2021

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

Horizon Bank Home Sweet Home Loan P&IHome≥ 20% Deposit

Horizon Bank Home Sweet Home Loan
  • App: $0
  • Ongoing: $0 p.a.

Horizon Bank Fixed Rate Home Loan P&IInvestment 1Y Fixed≥ 5% Deposit

Horizon Bank Fixed Rate Home Loan
  • App: $350
  • Ongoing: $0 p.a.

Horizon Bank Fixed Rate Home Loan P&IHome 1Y Fixed≥ 5% Deposit

Horizon Bank Fixed Rate Home Loan
  • App: $350
  • Ongoing: $0 p.a.

Horizon Bank SPECIAL Value Plus Home Loan P&IHome≥ 5% Deposit

Horizon Bank SPECIAL Value Plus Home Loan
  • App: $350
  • Ongoing: $8 per month

Horizon Bank Fixed Rate Home Loan P&IHome 2Y Fixed≥ 5% Deposit

Horizon Bank Fixed Rate Home Loan
  • App: $350
  • Ongoing: $0 p.a.

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Horizon Bank key facts

  • It's an online, customer owned lender based in Wollongong NSW.
  • It offers home loan products for owner-occupiers and investors.
  • This lender also offers other financial products such as savings accounts and insurance.

Horizon Bank home loan features

Minimum depositIt's possible to get a home loan with a deposit as low as 5%.
Offset accountYou can get an offset account with several of its loans.
Repayment optionsHorizon Bank does not allow you to make interest only repayments on its loans.

How do I apply for a mortgage from Horizon Bank?

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.


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 Horizon Bank 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

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