Homeloans.com.au Home Loans


Homeloans.com.au is a provider of home loans, including owner occupied and investment loans. Homeloans.com.au is a wholly-owned subsidiary of Resimac, a non-bank lender.

What types of home loans does homeloans.com.au offer?

At the time of writing, homeloans.com.au offers the following home loans for owner occupiers and investors:

  • Low Rate Home Loan – homeloans.com.au says this loan is designed for “borrowers with a clean credit history who can fully verify their income.”
  • Options Home Loan – this is an ‘Alt Doc’ loan which homeloans.com.au says is for “self-employed borrowers without a clear financial position.”
  • Flex Home Loan – homeloans.com.au says this loan may suit those who have a history of managing their finances but whose credit position has been impacted by an unexpected event.

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Homeloans.com.au home loan features

Depending on the home loan you choose, a homeloans.com.au home loan may provide the following features:

  • No monthly or annual fees
  • 100% offset account
  • Unlimited additional repayments
  • Free online redraw
  • Visa Loan Access Card

The inclusions above represent a selection of the features available with homeloans.com.au home loans. Canstar is not making any suggestion or recommendation to you about this product or lender. Additional conditions may apply to different features. Check upfront with homeloans.com.au and please ensure that you read the key facts sheet or other loan documentation to determine all the current loan terms and conditions for the product you are considering and whether it meets your needs, before committing to it.

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Homeloans.com.au FAQs

Before getting started, you might first like to take a look at our applying for a home loan checklist for some pointers, and use the Canstar website to compare home loans with other providers before choosing a product that suits your needs.

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If you decide to apply for a homeloans.com.au home loan, you can do so online or over the phone. If you have a clean credit history, homeloans.com.au says the best way to apply is via its online application. If your finances are more complicated, homeloans.com.au recommends contacting it online or over the phone, rather than applying directly.

At the time of writing, homeloans.com.au allows additional repayments on all of its home loans. Homeloans.com.au says you can make as many additional repayments as you want and there are no penalties or fees charged.

At the time of writing, homeloans.com.au offers a free online redraw facility, or you can access funds from any additional repayments you’ve made by using your Visa Loan Access Card (which can be requested with your loan).  Homeloans.com.au says a Visa Loan Access Card provides access to the redraw/offset balance available on your loan and you can access the funds electronically.

Homeloans.com.au is a wholly owned subsidiary of Resimac, a non-bank lender that was established in 1985. Homeloans.com.au says it has relationships with approximately 12,000 mortgage brokers and has over 50,000 customers.

It does not have any physical branches. However, you can contact homeloans.com.au over the phone “during business hours”.

When you take out a home loan with homeloans.com.au, it says it will plant a new tree on your behalf.

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This article was reviewed by our Sub-editor Tom Letts before it was updated as part of our fact-checking process.

Written by: Tamika Seeto | Last updated: September 16, 2020