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!
Become quietly confident with your first home loan by knowing what to expect.
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?
Australian Government 5% Deposit Scheme
You could buy your home sooner, with a low deposit and no need to pay LMI.
Calculators
Get an idea of what your borrowing power could be. Discover how choosing fixed, variable or Interest Only can affect your repayments.
Find the right loan
Discover which home loan suits you best and get a tailored snapshot of our fixed and variable interest rates for your loan type and term.
Property & suburb reports
Research the neighbourhood – and whether you can afford to buy there – with our free online Property Reports.
Book a Home Lender in minutes
Buying a home or need a new loan? Book a slot with a dedicated Home Loan Specialist at a time and location that works for you.
Choose your next step
Apply online now
Apply in 10-20 mins, or save your application and come back later.
- You could get conditional approval within 1 business day
- Your lender will finalise your loan through to settlement.
Book an appointment
Talk with a local lender at a time and place that works for you. They'll answer questions, guide your next steps, and tell how much you could borrow before any credit check, with no obligation.
- Tell us what you’d like to talk about
- Choose video, phone, in branch, or they can visit you.
Home buyers' tip: Does rental history matter?
The last 6 months could count as proof of 'genuine savings' to support your home loan application. Eligibility, credit criteria, T&Cs apply*.
Why are 'genuine savings' important?
Savings, among other factors, are used to build a picture about your capacity to manage a loan. Want to know if you qualify? Book an appointment with our dedicated home loan specialists.
Our Home Loans
We offer a range of mortgages to suit your needs with competitive interest rates.
Some key features
Learn about the different features of your home loan and see how they could affect you.
Book an appointment
Pick a time and place that suits you to talk to a home loan specialist.
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 360KB)
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.
*Proof of genuine savings is required only where the loan-to-value ratio (LVR) exceeds 90%. Use of rent as genuine savings is permitted for owner-occupier loans only; investment loans are not eligible. Borrowers must be currently renting through a licensed agent or property manager for a minimum of six months, with a satisfactory rental repayment history.