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Why Choose Us?

Online Home Loans is the fast and easy way to get a home loan that could save you serious money.

We give you access to great online home loan rates through a simple and convenient process.

We’ll help you buy your home or refinance your current one with minimal fuss or hassle!

Great rates

We’ve done the hard work already, providing you with prompt access to low online rates that suit your situation.

Convenient

We’re available when you need us. Give us a call or leave your details and we’ll get back to you at a time that’s good for you.

Simple

Our easy, no fuss process takes the hassle out of applying for a home loan.

Frequently Asked Questions

Essentials

You can contact us either by phone on 1300 135 456, by email at [email protected], chat with us on the website, or by filling in our contact us form.

A mortgage broker has agreements and accreditations with a number of different lenders, which enables them to offer their clients a variety of different loan products while you deal with just one point of call. It’s important to note that the broker has no ability to approve a loan – the lender chosen to meet your needs approves this.

Our extensive panel of lenders ranges from the largest lenders in the country through to small specialist lenders. This means we can offer home loans that suit nearly all situations, including loans for new property purchases, refinancing of your current property, owner-occupiers or investment purposes. Product features available include fixed or variable rate loans, interest only, offset accounts, lines of credit, or combination loans.

The interest rate charged will vary depending on the lender and solution chosen to meet your needs. The great news is that we do all the hard work of finding a home loan from our large panel of lenders to suit your situation. To find your rate answer a few simple questions in our quiz.

Scenarios

Absolutely. This is one of our specialties. We will search our large panel of lenders to find you a great home loan that could save you thousands.

Absolutely. Contact us and we can help you through the process and find a home loan solution for you.

Yes we do. Contact us and we can work out a loan solution to meet your needs.

Yes, you can. We have an extensive panel of lenders to choose from to find the best investment loan for you.

Most lenders will require that you have been self-employed for a minimum of two years and have tax returns to show that you can afford the loan. In some situations, certain specialist lenders may approve loans for borrowers who have been in business for less than two years.

Applying for a loan

Start by visiting our Find Your Rate page. We'll make the process fast and hassle free.

Generally a 20% deposit is required to avoid expensive lenders mortgage insurance. If you have less than 20% contact us as there are ways to work through these issues depending on your situation. 

Lenders Mortgage Insurance (LMI) is an insurance policy that the lender may insist you take out if your loan to value ratio exceeds 80%. The policy protects the lender if a property is sold for a value less than the loan balance. The insurance doesn’t protect the borrower, however it does allow them to buy a property with a smaller deposit than would otherwise have been the case.

There are many factors that could impact your ability to get a home loan, however, there are three key factors lenders focus on when assessing and approving your loan:

  • Serviceability – does the lender believe you can afford the loan?
  • Valuation – does the proposed loan sit within the lender’s LVR rules, and is the security you can offer acceptable?
  • Credit history – have you previously paid other debt owed (e.g. loans and credit cards) on time?

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