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Online Home Loans home loans

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Online Home Loans is an online lender. Online Home Loans offers a range of home loans for Australian borrowers. Check out the full table of Online Home Loans products below or read more about the lender.

Online Home Loans key facts

  • Online Home Loans is an online lender based in Victoria.
  • Online Home Loans offers home loan products for owner-occupiers and investors.
  • This lender only offers home loan products.

Online Home Loans home loan features

Here are the key features and details you need to know about Online Home Loans' mortgage products.

Minimum depositIt is possible to get a home loan from Online Home Loans with a deposit as low as 5%.
Offset account?You can get an offset account with several Online Home Loans loans.
Repayment optionsSeveral Online Home Loans home loans allow you to make interest-only repayments for a limited period. The lender also offers the standard principal-and-interest repayments on its loans.

How do I apply for a mortgage from Online Home Loans?

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 Online Home Loans 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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2 Responses

    Default Gravatar
    JuleeSeptember 15, 2017

    Have property worth around 500,000. want to build again and get a loan for 430.000 to build then sell the other property and put the money from it on the other loan. can this be done.

      Default Gravatar
      GruSeptember 16, 2017

      Hi Julee,

      Thanks for reaching out to Finder.

      If you need temporary finance to cover your new property purchase while waiting to complete the sale on your home you could take out a bridging loan. According to our review, there are two main types of bridging loans known as Closed Bridge and Open Bridge. See the difference below:

    • Closed Bridging Finance has a pre-agreed date by which the property will be sold and the loan repaid. A closed bridge is only available to homebuyers who have already exchanged on the sale of their existing property.
    • An Open Bridge differs in that it is taken out by buyers who have found their perfect property but haven’t found a buyer for their existing home. Lenders are often hesitant to offer open bridging loans and will expect to see details about the new property proof that your current home is being actively marketed. Lenders will also insist you have a significant amount of existing equity in your current property and an exit strategy in case the sale falls through.
    • If you’d like to check, you can press the “Enquire Now” button. If you submit your details via the form, a specialist will be in touch to discuss the different options available and provide you with a quote.

      Before applying, please ensure that you meet all the eligibility criteria and read through the details of the needed requirements as well as the relevant Product Disclosure Statements/Terms and Conditions when comparing your options before making a decision on whether it is right for you. You can speak to a mortgage broker who can take your personal circumstance into account and offer you a range of borrowing options.

      Hope this helped.


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