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How to apply

Our home loans

We have home loans for a number of circumstances ranging from standard home loans to loans for the self-employed

  • Portfolio Loan

    • A flexible line of credit that combines your personal and investment finances into one facility
    • Create up to 10 sub-accounts2 in your Portfolio Loan and access your equity while you pay off your home loan.
    More info Enquire now

  • Basic Home Loan

    • A basic, no frills home loan with a low variable interest rate
    • $0 monthly service fee
    • Flexible repayment options.
    More info Enquire now

  • Low Doc Home Loan

    • Ideal for self-employed people or business owners
    • Choose a Fixed Rate, a Variable Rate or a combination of both for your Low Doc Home Loan.
    More info Enquire now

  • Introductory Rate Home Loan

    • Ideal for first home owners or new Bank of Melbourne home loan customers
    • Get a discounted rate – your choice of fixed or variable – for the first 12 months.
    More info Enquire now

  • Seniors Access Home Loan

    • Only available to homeowners who are at least 63 years of age
    • Apply to borrow from $10,000 to $250,000 depending on the age of all applicants, your property’s value (which Bank of Melbourne will determine) and its location.
    More info Enquire now

  • Low Doc Portfolio

    • Ideal for self-employed people or business owners
    • A flexible line of credit that combines your personal and investment finances into one facility
    • Create up to 10 sub-accounts2 in your Portfolio Loan and access your equity while you pay off your home loan.
    More info Enquire now

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How to apply

The Detail

1Advantage Package annual fee of $395 applies, other fees may be payable. The interest rate discount and fee savings apply for the duration of the package. Contact us to see if you are eligible to receive Advantage Package benefits.
2A sub-account holder must be one or more of the Portfolio Loan borrowers. The remaining borrowers on the Portfolio Loan must be guarantors on that sub account. Any Portfolio Loan borrower who is not a sub-account holder of a particular sub-account must guarantee that sub-account.