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Kogan Money Home Loans

Compare mortgage rates from Kogan Money.

Last updated: 13 August 2019

On this page you can find information about Kogan Money home loans. Skip ahead to the full table of products or read more about the lender.

Competitive Kogan Money rates for...

Home buyers. The Kogan Money Essential Variable Home Loan - LVR < 90% (Owner Occupier, P&I) has a 3.02% p.a. interest rate and lets you borrow up to 80%.
Investors. The Kogan Money Essential Variable Home Loan - LVR < 90% (Investor, P&I) has a 3.27% p.a. interest rate and lets you borrow up to 80%.

Compare Kogan Money home loans

Compare Kogan Money home loan products below and hit "load more" to see a fuller selection of loans.

Rates last updated December 13th, 2019

Loan purpose

Offset account

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Loan type

Show all Fixed Variable

Repayment type

Show all Principal & Interest Interest only

Name	Interest Rate (p.a.)	Comp Rate^ (p.a.)	Application Fee	Ongoing Fees	Max LVR	Short Description
Kogan Money Essential Variable Home Loan - LVR < 80% (Owner Occupier, P&I)	3.02%	3.03%	$150	$0 p.a.	80%	A competitive variable rate mortgage that's available with a 10% deposit.	More info	Compare	loading Fetching your data...
Kogan Money Essential Variable Home Loan - LVR < 80% (Investor, P&I)	3.27%	3.28%	$150	$0 p.a.	80%	A flexible variable rate mortgage for investors. Available with a 10% deposit.	More info	Compare	loading Fetching your data...
Kogan Money Essential Variable Home Loan - 100% Offset LVR < 80% (Owner Occupier, P&I)	3.02%	3.16%	$150	$0 p.a.	80%	A competitive variable mortgage with an offset account. Available with a 10% deposit.	More info	Compare	loading Fetching your data...
Kogan Money Essential Variable Home Loan - 100% Offset LVR < 80% (Investor, P&I)	3.27%	3.41%	$150	$0 p.a.	80%	Investors can borrow up to 90% with this variable mortgage and get an offset account.	More info	Compare	loading Fetching your data...
Kogan Money Essential Fixed Home Loan - 2 Year Fixed (Owner Occupier, P&I)	2.77%	3.27%	$150	$0 p.a.	90%	2 year fixed rate loan for owner occupiers.	More info	Compare	loading Fetching your data...
Kogan Money Essential Fixed Home Loan - 1 Year Fixed (Owner Occupier, P&I)	3.27%	3.33%	$150	$0 p.a.	90%	1 year fixed rate loan for owner occupiers.	More info	Compare	loading Fetching your data...
Kogan Money Essential Fixed Home Loan - 1 Year Fixed 100% Offset (Owner Occupier, P&I)	3.27%	3.46%	$150	$0 p.a.	90%	A 1 year fixed rate loan for owner occupiers. 100% offset account included.	More info	Compare	loading Fetching your data...
Kogan Money Essential Fixed Home Loan - 2 Year Fixed 100% Offset (Owner Occupier, P&I)	2.77%	3.40%	$150	$0 p.a.	90%	2 year fixed rate loan for owner occupiers with a 100% offset account.	More info	Compare	loading Fetching your data...
Kogan Money Essential Variable Home Loan - 100% Offset LVR 80% to 90% (Owner Occupier, P&I)	3.32%	3.46%	$150	$0 p.a.	90%	Borrow over 90% with this variable rate loan and get a 100% offset account.	More info	Compare	loading Fetching your data...
Kogan Money Essential Variable Home Loan - LVR 80% to 90% (Owner Occupier, P&I)	3.32%	3.33%	$150	$0 p.a.	90%	Borrow over 90% of your property's value with this variable rate loan.	More info	Compare	loading Fetching your data...
Kogan Money Essential Fixed Home Loan - 3 Year Fixed 100% Offset (Owner Occupier, P&I)	2.77%	3.37%	$150	$0 p.a.	90%	You can get a 3 year fixed rate loan for owner occupiers. 100% offset account included.	More info	Compare	loading Fetching your data...
Kogan Money Essential Fixed Home Loan - 1 Year Fixed (Investor, P&I)	3.57%	3.68%	$150	$0 p.a.	90%	1 year fixed investor loan with principal and interest repayments.	More info	Compare	loading Fetching your data...
Kogan Money Essential Fixed Home Loan - 2 Year Fixed (Investor, P&I)	3.37%	3.65%	$150	$0 p.a.	90%	2 year fixed investor loan with principal and interest repayments.	More info	Compare	loading Fetching your data...
Kogan Money Essential Fixed Home Loan - 1 Year Fixed 100% Offset (Investor, P&I)	3.57%	3.80%	$150	$0 p.a.	90%	Investors can get a 1 year fixed rate loan that comes with a 100% offset account.	More info	Compare	loading Fetching your data...
Kogan Money Essential Fixed Home Loan - 1 Year Fixed (Owner Occupier, IO)	4.31%	3.39%	$150	$0 p.a.	90%	1 year fixed interest only rate loan for owner occupiers.	More info	Compare	loading Fetching your data...

Compare up to 4 providers

Kogan Money lender profile

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.

Kogan Money mortgage features

Kogan Money offers competitive fixed and variable rate mortgages for owner occupiers and investors.

Feature	Details
Deposit size	Most Kogan Money home loans let you borrow 90% of your property's value.
Bad credit	Kogan has mortgage products for lenders who have had credit problems in the past.
Redraw	Most Kogan Money products allow you to redraw extra repayments from your mortgage.
Offset account	Several Kogan Money home loans come with a 100% offset account, including the Kogan Money Essential Variable.

How do I apply for a Kogan Money mortgage?

Eligibility

Kogan Money may have specific eligibility criteria for each product 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 Kogan Money 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:

Identification documents. You will need identification such as a driver's license, 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).

Detailed guide to home loan applications and paperwork

Looking for more mortgage options?

Online lenders. Compare more mortgages from online lenders.
Big Four banks. Check out home loan rates from Australia's Big Four banks.
Investors. Compare loans for property investors.
Mortgage brokers. Find out how to get free, expert guidance from a mortgage broker.

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Richard Whitten

Richard Whitten is Finder's home loans writer. He helps Australians understand the ins and outs of mortgages so they can find lower rates and make smarter property decisions. Richard trained as a high school English teacher at the University of Sydney, but found that mortgage management was more rewarding than classroom management. Before working at Finder he lived in Seoul, where he edited textbooks and ran communication courses for Korean corporations.

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