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Home Loan help, however you want to ask


Chat with our Home Loan Concierge when our chat notification pops up.

You can even ask your home loan questions in Facebook Messenger!

Call our Concierge on 03 8536 7890 or request a call back: Existing Loan or New Home Loan.
Video call
Or, book a video call with our Concierge to chat about your Home Loan.
In real life
Meet with a Home Loan Concierge, where permitted, face to face in-branch!

Become quietly confident with your first home loan by knowing what to expect.

Home Guarantee Scheme

You could buy your home sooner, with a low deposit and no need to pay LMI.

Find out more

Home loan terms, explained

What in the world is LMI, LVR and offset? Watch our video clips for explanations behind popular home loan terms.

Watch videos

Getting started: FAQs

Find answers to the big questions, like do you need loan approval before auction and how do you know which home loan’s right for you?

Read article

Purchase costs

Our stamp duty and lenders mortgage insurance calculator could help you estimate these property purchase costs.

Estimate costs


Get an idea of what your borrowing power could be. Discover how choosing fixed, variable or Interest Only can affect your repayments.

Buy with confidence

Research the neighbourhood – and whether you can afford to buy there – with our free online full Property Reports. 

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Help me choose

Use our home loan selector to match with the right options.

It's easy to get started


Save time, apply online 

Apply online for a home loan, conditional approval or to switch to us.

  • You could get approval in 1 business day
  • Dedicated lender will support you from application to settlement.


Book an appointment

A member of our team will be in touch at a time that suits you.

  • They’ll answer your questions and guide you through your next steps.
  • A lender can start your application for you.


The Detail

Conditions, credit criteria, fees and charges apply. Based on Bank of Melbourne’s credit criteria, residential lending is not available for Non-Australian resident borrowers. Interest rates subject to change. Before making a decision, it’s best to read the terms and conditions.

Loan Accounts – Charges for specific services and accounts (PDF 33KB)

This information is general in nature and has been prepared without taking your objectives, needs and overall financial situation into account. For this reason, you should consider the appropriateness of the information to your own circumstances and, if necessary, seek appropriate professional advice.

+LVR stands for the initial loan to value ratio. LVR is the amount of your loan compared to the Bank’s valuation of your property offered to secure your loan expressed as a percentage. Home loan rates for new loans are set based on the initial LVR and won’t change during the life of the loan as the LVR changes.

#Advantage Package: Terms & Conditions (PDF 179KB) apply. A $395 annual package fee applies and is payable from an eligible Bank of Melbourne transaction account. Before deciding to acquire a Bank of Melbourne transaction account, read the terms & conditions, and consider if the product is right for you.