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Home Loans

We are committed to providing you with the right home loan to suit your needs.

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Discover exemptions, concessions and grants available as a first home buyer.

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Home Loans · Australia

The right home loan, the lowest rate.

Whether you're buying your next home, investing, refinancing or self-employed, Greenline compares 50+ lenders and guides you from application to settlement — and beyond.

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Lowest ratesBetter than the big banks
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Explore your options

A home loan for every situation

From your first purchase to your next investment — pick the path that fits, and we'll match you to the right lender and structure.

Residential Home Loans

Buying or upgrading the home you'll live in — competitive rates with features that actually help you get ahead.

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Investment Property Loans

Structure your next investment for growth — interest-only options, equity release and tax-smart set-ups.

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Home Loan Refinancing

A sharper rate, better features or cash freed up — switch to a loan that fits where you are now.

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Debt Consolidation

Roll multiple debts into one manageable repayment, often at a lower home-loan rate.

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Bridging Loans

Buy your next home before the current one sells, without the stress of perfect timing.

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Construction Loans

Build or renovate with progressive drawdowns that release funds at each stage of the build.

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Cash Out — Equity Release

Unlock the equity in your property for renovations, investing or the goals that matter.

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Self Employed — Low Doc

Run your own business? Alt-doc income options and in-house products for the deals banks decline.

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Why Greenline

Clients at the heart of everything we do.

Whether you're upgrading to your next home, investing or refinancing, we're committed to finding the right home loan for you — the lowest rates paired with service you'll value for the life of the loan.

From application through to post-settlement, we guide you through the entire process and stay in your corner for the future. It's what sets us apart from most.

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A Greenline Home Loans lender explaining home loan options to a couple at a table
Product features

More than just a low rate

The right loan features can save you time, effort and money over the life of your loan. Here are the ones worth knowing.

Mortgage Offset Account

An everyday account linked to your loan. Your savings offset your loan balance instead of earning interest — so you pay interest on less, and pay your loan down faster.

Repayment Schedule

Choose weekly, fortnightly or monthly repayments to match how you get paid. More frequent repayments can reduce the interest you pay over the life of the loan.

Split Rate Option

Fix part of your loan and keep the rest variable. You get certainty against rising rates on the fixed portion, plus the flexibility of offset and redraw on the variable portion.

Line of Credit Facility

Access funds up to an approved limit based on your equity, whenever you need them. You only pay interest on what you draw — handy for renovations, investing or opportunities.

From first hello to keys in hand

How your home loan comes together

01

Have a chat

Tell us your goals and situation. We'll map out what's possible and what to expect.

02

We compare 50+ lenders

We find the right loan, rate and structure for you — including options the big banks won't.

03

Apply with guidance

We handle the paperwork, submit your application and keep you updated through to approval.

04

Settle & beyond

We guide you to settlement and stay in your corner for the life of your loan.

Crunch the numbers

See what your repayments could look like

Use our loan repayment calculator to estimate repayments and work out how much you can comfortably borrow.

Open the calculators →
Get a better rate than the big banks

Begin your finance journey with Greenline today.

Self-employed or low-doc? We've got you covered too — talk to us about the deals other lenders hand back.

Call 1800 705 505 Self-employed & low doc →
Home loan questions, answered

Frequently asked questions

How can I use equity in my home to help buy an investment property?+
If there's enough equity in your home, you can use strategies such as refinancing and cash-out to fund the deposit on your next purchase, or cross-collateralise your existing home. The right strategy depends on your circumstances — contact us to find the most appropriate option for you.
What's the difference between an owner-occupier home loan and an investment loan?+
An owner-occupier loan finances the home you live in, while an investment loan finances a property you buy to rent or sell. Both are secured by property, but lenders treat investment lending as higher risk, so investment interest rates tend to be slightly higher.
Should I make weekly, fortnightly or monthly repayments?+
Because lenders calculate interest daily, weekly or fortnightly repayments generally reduce the interest you pay compared with monthly. Cash flow matters too, and an offset account can give similar benefits while keeping monthly repayments. Contact us to structure repayments that pay your loan down faster.
What's the difference between a home loan and a mortgage?+
A home loan is the money you borrow to buy a property. A mortgage is the legal agreement that uses the property as security for that loan. If a borrower defaults, the mortgage gives the lender the right to sell the secured property to recover the outstanding balance.
Why should I refinance my home loan?+
Refinancing can help you:
  • Consolidate debts so your finances are easier to manage
  • Secure a more suitable interest rate or new features like flexible repayments or an offset account
  • Access funds for a holiday, renovation or investment opportunity
  • Release equity from your property to renovate your existing home
Is a guarantor required for a home loan?+
It depends on the overall strength of your financial position — your income, expenses, assets, liabilities and deposit size. A guarantor adds security for the lender but takes on personal risk, becoming liable for the amount owed if you default. Speak to our team to see if a guarantor suits your situation.
What documents do I need for a home loan?+
You'll generally need:
  • Identification — driver's licence, passport or photo ID
  • Proof of income — payslips, bank statements or employer income verification
  • Your financial position — assets, savings, expenses and any outstanding loans or debts
How much should I borrow for a home loan?+
Borrow an amount you're comfortable repaying, allowing for upfront and ongoing costs such as stamp duty, legal fees and moving expenses. Your capacity also depends on what a lender will approve and your goals. Borrowing more than 80% of the property value usually means paying Lenders Mortgage Insurance. Try our loan repayment calculator or get in touch.
What is LMI?+
LMI (Lenders Mortgage Insurance) is insurance that protects the lender if a borrower can't repay the loan. It's usually required when the loan-to-value ratio is above 80%, and the cost is paid by the borrower.
How much deposit do I need for a home loan?+
Most lenders require a minimum deposit of around 5% of the property value, though this varies. Budget also for lender, legal and registration fees and stamp duty, plus Lenders Mortgage Insurance if you borrow more than 80% of the property value. A larger deposit means lower repayments.
Can I get a home loan with no deposit?+
A genuine no-deposit home loan is rare and only possible in exceptional circumstances, often relying on grants to make up part of the deposit. Where lenders do allow it, they usually offset the added risk elsewhere, such as with higher interest rates.
How can I pay off a home loan early?+
You can pay your loan down faster by switching to more frequent repayments (for example fortnightly instead of monthly), making extra repayments as your budget allows, and using an offset account to reduce the interest charged on your loan.
How can I find the best home loan rates?+
Greenline's team compares a wide range of products — variable, fixed, interest-only, redraw, offset and more — across 50+ lenders to match a competitive rate and structure to your needs, and is available to guide you through the whole process.
Where can I get the lowest home loan rates?+
As an award-winning mortgage broker and manager, Greenline Home Loans compares 50+ lenders to help you secure a competitive home loan rate for your situation. Get in touch to start your home loan journey.
Ready when you are

Are you ready to apply?

Start your home loan journey with Greenline Home Loans. Speak to one of our professional lenders today — we're here to help.

Get in touch → Call 1800 705 505

Greenline Home Loans — GreenLine Financial Services Group Pty Ltd, ABN 78 607 656 084, Australian Credit Licence 520947. F128 – F129 / 24-32 Lexington Drive, Bella Vista NSW 2153. This page is general information only and does not take your personal circumstances into account.