Home Loan

Make you dream home a reality with a MyLife MyFinance home loan. Choose the loan that’s right for you – a basic low rate or a loan with the benefit of an offset account.

Buying a home, refinancing or need to renovate?

Whatever your situation, we can offer support from our team of experienced lending specialists, who are here to provide you with a helping hand to help get you into your home faster.

We're proud to provide you with real value

Competitive rates

Flexible repayment options

Offset and redraw facilities available

Fast approval

2.39 % p.a
Variable and comparison rate

Basic Home Loan

Rate type Principal and interest
Purpose To live in
Variable rate* 2.39% p.a.
Comparison rate 2.39% p.a.
Application fee waived
Loan package fee waived
Upfront costs covered
Fee free offset account
Fee free redraw facility
Fee free additional repayments
New and established dwellings and off the plan purchases
House and land packages and construction loans
Minimum loan amount $200,000
Maximum loan amount $1,500,000
Minimum deposit^ 20%

Standard Home Loan

Rate type Principal and interest
Purpose To live in
Variable rate 2.69% p.a.
Comparison rate 2.69% p.a.
Application fee waived
Loan package fee waived
Upfront costs covered
Fee free offset account
Fee free redraw facility
Fee free additional repayments
New and established dwellings and off the plan purchases
House and land packages and construction loans
Minimum loan amount $200,000
Maximum loan amount $1,500,000
Minimum deposit^ 20%

Ready to take the next step?

Applications are straightforward, and our team of lending specialists are here to discuss your options.

Need information or help? Our team of lending specialists are here for you from application to settlement. Call us on 03 9629 4484

Tools to help you prepare

Thinking about refinancing your home loan?

General information

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We’ll waive your:

  • application fee
  • mortgage documentation fee
  • valuation fee, and
  • mortgage registration and discharge fees.

Our standard home loan comes with fee free access to a redraw facility and offset account

Refinancing fees and charges may apply, such as exit fees from your current provider.

For a full list of fees and charges, please view our Schedule of Fees and Charges.

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Online applications take less than 20 minutes to complete.

Provided we’ve been able to verify your identify online and you meet our lending criteria, we’ll be able to issue a conditional approval instantly.

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To apply for a loan, you need to:

  • be 18 years or older
  • an Australian citizen or permanent resident, and
  • currently employed.

Comparison rate calculated on $150,000 loan over 25 years. Care should be taken in using this comparison rate. The comparison rate is accurate only for the example given as other factors including government fees and charges, redraw fees or fees for early repayment, may influence the final cost of the loan.

^ For deposits >5% but less than 20%, Lenders Mortgage Insurance will apply and a margin of 0.20% will be added to the advertised rate.



Interest rates is at 14 April 2021. All interest rates are variable unless noted otherwise. All depositors are protected by the Government guarantee. For further details, please refer www.fcs.gov.au. In deciding whether this product meets your needs, we recommend that you read this page in conjunction with our General Terms, Product Disclosure Statement, Interest rates flyer, and Schedule of fees and charges. A copy of these documents are available on our website. You can also obtain a copy of these by contacting our office on 03 9629 4484. MyLifeMyFinance Limited Trading as MyLife MyFinance. ABN 54 087 651 750. AFSL/Australian Credit Licence Number 245606.