Kogan Money Home Loans

Logo for home loan lender Kogan Money.Online retailer Kogan now offers mortgages for home buyers, investors, self-employed and even bad-credit borrowers.

It might seem strange for an online store that sells cheap laptops to offer mortgages, but Kogan has been steadily expanding its range of insurance and financial products.

Its mortgages are backed by an established bank and a specialist lender, allowing it to serve a very wide range of borrowers.

Compare mortgages from Kogan Money

Rates last updated February 19th, 2019
Loan purpose
Offset account
Loan type
Repayment type
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Name Product Interest Rate (p.a.) Comp Rate^ (p.a.) Application Fee Ongoing Fees Max LVR Monthly Payment Short Description
$0 p.a.
Kogan Money Essential Fixed Home Loan - 1 Year Fixed (Owner Occupier, IO)
$0 p.a.
$0 p.a.
$0 p.a.
Kogan Money Essential Fixed Home Loan - 3 Year Fixed (Owner Occupier, P&I)
$0 p.a.

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What is Kogan Money?

Kogan is a large online Australian retailer. Famous for affordable electronics, it also sells everything from books and office supplies to toys, clothes and beauty products.

The company has recently branched out into insurance, Internet and phone services and now mortgages.

While not a traditional lender in any sense, the retailer's mortgages are backed by two established players. Adelaide Bank handles full doc mortgages while Pepper Money backs Kogan's loans for self-employed and credit-impaired borrowers.

Tell me more about Kogan Money's mortgages

Kogan Money offers a small range of mortgages but there are enough options to cover a surprising amount of property needs. Kogan offers fixed and variable rate mortgages for investors and owner-occupiers.

There are options to add offset accounts for a small fee and there are interest-only fixed rate repayment options available.

Loans can be used to:

  • Purchase a property
  • Refinance an existing loan
  • Consolidate debt
  • Unlock equity

However, loans cannot be used for construction.

In terms of flexibility, Kogan Money's mortgages allow:

  • Free online redraw
  • Extra repayments (up to $20,000)
  • Monthly, fortnightly or weekly repayments

Kogan Money also lends to self-employed borrowers, who typically have a harder time establishing their financial viability as borrowers. Through its partnership with Pepper, Kogan can also lend to borrowers with bad credit.

How do I apply for a Kogan Money home loan?

If you leave your details on Kogan's website you can chat to a lending specialist.

With any home loan application, you need to provide documents such as:

  • Identification
  • Proof of income and employment (recent payslips)
  • Details about your assets and liabilities (debts)
  • Bank statements
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