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A home loan that works for you

Same rates and features
If you’re a business owner and the loan’s in your name, you will get the same residential home loans, interest rates and options as if you were on a salary. 
Fast Track assessment
If you're a self-employed borrower who’s eligible for Fast Track, all we need to see is your last two years of personal ATO Notices of Assessment.
Apply anytime online
Our Concierge will call you back. Don’t worry, you can upload documents later.

Home loans if you’re borrowing in your name

Fixed home loans

Lock in your interest rate for a 1-5 year loan term on any portion of your loan amount.

Variable home loans

Own your home sooner thanks to no limit on extra repayments.

Frequently asked questions

Borrowing in your own name

Choose from any of our home loans: you'll get the same interest rate, offers and features available to our PAYG customers. 

Borrowing under your business’s name

Apply for our Standard Variable Rate and Fixed Rate home loans and get the same interest rate, offers and features that are available to our PAYG customers. Fast Track assessment is unavailable.

These residential home loans are available whether: 

  • Your business is run as a partnership, company, trust or sole trader
  • It’s your first home, next home, an Investment Loan, or you’re switching loans to us (refinancing) 
  • You’re building a new property, or buying an established one 
  • You own a small business or large company.

Get 4K cashback when you refinance


Cashback^ When you Refinance

Apply by 31st May 2022, and settle by 31st August 2022. Owner Occupier (P&I repayments) and Residential Investment loans, with LVR up to 80%. Available on home loans with our Advantage Package ($395 annual package fee) and our Basic Home Loan (no annual fee). $250k min loan. Only one $4K cashback offer available per primary applicant within a 12 month period. Excludes refinances from within Westpac Group.^



Start your application online

Learn how much you could borrow.
It should only take around 20 minutes to apply.

Our Concierge will call you once you've submitted your application to help handle the rest of the process.

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The Detail

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:

Please read these documents and keep a copy. You can request a paper copy at a branch.

Fixed rate home loan: The Bank will apply the fixed rate that is available at the loan settlement date or the date the fixed rate period commences. At the end of the fixed rate period the interest rate will convert to the applicable variable home loan interest rate. 

+LVR stands for the initial loan to value ratio at loan approval. LVR is the amount of your loan compared to the banks 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 don’t change because of changes to the LVR during the life of the loan. Any applicable LVR discount has been included in the advertised eligible rate.

^How does the refinance cashback offer work: Conditions, credit criteria, fees, charges, eligibility criteria and exclusions apply. Apply between 8th December 2021 to 31st May 2022 and settle by 31st August 2022 for refinance applications. Offer may be varied or withdrawn at any time. Min loan amount $250k and LVR up to 80%. Offer available for Owner Occupier with Principal & Interest repayments and Residential Investment Loans (Principal and Interest & Interest Only repayments). Advantage Package ($395 annual package fee and T&Cs apply) and Basic Home Loans. Limit of one $4,000 cashback payment regardless of the number of applications, applicants, properties or loans involved per 12 month period. For joint applications, only one cashback payment will be paid to the primary applicant. Excludes Owner Occupier Interest Only, residential lending originated under family or company trusts and refinances within Westpac Group (Westpac, St.George, Bank of Melbourne, BankSA and RAMS). The cashback will be paid into a Bank of Melbourne transaction account within 60 days of settlement. This account must be in the same name as the home loan account and linked to the home loan at settlement. Tax consequences may arise from this promotion for investors and customers should seek independent advice on any taxation matters.