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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.

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

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.

Fixed rate home loan: Bank of Melbourne 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. 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.