Manage your home loan online

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.

Key Fact Sheet for Home Loans

¹Break costs: $30,000 prepayment threshold for the entire fixed period without break costs or fees applying. For fixed rate loans taken up prior to 18 August 2019, customers can make prepayments of up to the $10,000 prepayment threshold in each 12 month period without break cost or fees applying. Prepayment break costs are explained in the Things You Should Know About Break Costs (PDF 35KB).

²Redraw facility: if you have 'available funds' (you're ahead on your home loan repayments) and you've activated your redraw facility, you're free to redraw them with no redraw fee. Up to $100k will be available to redraw from your variable loan online or over the phone each day (in-branch it's $30k). For fixed loans you can redraw up to your prepayment threshold during your fixed term. Read our Home Loan Redraw Form (PDF 143KB) for full details.

^**Available for Owner Occupier and Investment Property Loans with Principal & Interest and Interest only repayments.

Repayment options: Conditions, eligibility and suitability criteria apply.

• Reduced Repayments: Reduction of up to 50% available for 3 to 12 months on variable home loans held with us for over 12 months. It is important to understand that at the end of the reduced repayment period, the repayment amount will increase to adjust for the reduced repayments. This ensures that the loan is still repaid within its original term.
• Repayment Holiday: If you've made extra home loan repayments in the past and you'd like to take a break, you could consider choosing to miss a payment or make a reduced payment, provided the available funds are enough to cover the scheduled payment.
• Switching to Interest Only repayments: It's important to understand that interest rates for loans with Interest Only repayments are higher. Your repayments will increase at the end of the Interest Only period as the amount you've borrowed will need to be paid back in a shorter timeframe. This also means you'll pay more interest over the life of the loan on Interest Only repayments than if you'd opted to continue paying principal and interest. 

^~Amplify Qantas Platinum Bonus Qantas Points Offer: Offer commenced 27th November 2025. To be eligible for bonus Qantas Points, you must apply and be approved for a new Amplify Qantas Platinum card before the offer is withdrawn. You will receive an initial 70,000 bonus points if you spend $4k or more on eligible purchases within 90 days of card approval. These will be credited to your points balance within 12 weeks of meeting this spend criteria. In your second year, spend a minimum of $4k on eligible purchases within 90 days of your card opened date anniversary, and you'll earn an additional 30,000 bonus points. These additional points will be credited to your points balance within 12 weeks of meeting the spend criteria. If you do not meet the minimum spend in the first year, you forfeit the bonus points for the first year only, however you are still eligible for bonus points in the subsequent year if you meet the minimum spend in the subsequent year during the promotional period. Eligible purchases do not include interest, fees and charges, cash or ATM cash advances, cash equivalent transactions, gambling transactions, a purchase from or payment to a local, state or federal government or government related agency, BPAY or similar transactions (such as Post Billpay), refunds and balance transfers debited to the card account. Existing customers who currently hold an Amplify, Amplify Platinum or Amplify Signature card issued by Bank of Melbourne, St.George or BankSA, or who have held one in the last 24 months, or Credit Card Product Switches, upgrades or Westpac group staff are not eligible for this offer. The bonus Qantas Points will be credited to your Points balance within 12 weeks after the eligible spend criteria is met. This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.

#Advantage Package - Receive No Annual or Monthly Card Fee (based on the Card you hold) for every year while linked to your Advantage Package:

• You will be linked to one eligible credit card to your eligible fee paying package and receive no annual or monthly card fee while you remain on the Package. Refer to the Terms & Conditions (PDF 276KB) for more information.
• 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.
• A credit card that is not in good standing is not eligible for inclusion in a package. If you are unsure of the status of your card, or would like to discuss your financial situation, please call us. 
• If you have an existing credit card that is already linked to your Advantage Package, you will not be eligible for an annual or monthly card fee waiver. 
• It can take up to 60 days for us to apply a card fee waiver. However, if your credit card annual or monthly fee is charged in error, please contact us and we will refund that fee charge. 
• All other fees, charges and interest rates applicable to your credit card, such as any Reward Program Fees, are not waived as part of the package. 
• If your package comes to an end or is cancelled the card fee waiver will no longer apply and the credit card that was linked to your package will become subject to the standard advertised fees, interest rates and charges that apply to that credit card product. You can visit our website to see our current credit card standard interest rates and charges. If the card you hold is subject to a monthly card fee and your card is no longer part of a package, the card fee will be charged on a monthly basis from here on.