Frequently asked home loan questions

At emoney we aim to take the confusion out of lending. We’ve put together a list of some of our more frequently asked questions for your convenience. Have a read below and if your query isn’t answered here, contact our friendly lending specialists—we’re only too happy to help!

General FAQ

A non-bank lender is not a bank, credit union or building society, but a lender with access to a source of wholesale funding. At emoney, we borrow our funds from funding warehouses, made up of deposits from every day Australians, superannuation funds and investors. Our funding warehouses are safe as they are backed by large Australian and international lending institutions. We hold an Australian Credit Licence and are a member of the FBAA and AFCA. And, unlike a bank, we offer a wide range of mortgage products—more than 500—to fit almost every customer’s needs.

Yes. At emoney, we can assist borrowers with poor credit find suitable home loans. We consider applicants with defaults, loan arrears and discharged bankrupts. Please be aware, your credit history will have an impact on your interest rate.

If you have no genuine savings, you still may be able to get a home loan for up to 95% of the purchase price (including LMI). Your deposit cannot be a loan but can be an inheritance or a gift from your parents.

Your borrowing capacity is determined by a number of factors. Use our calculator to see how much you may be able to borrow or contact us for a more accurate assessment.

Existing Customer FAQ

From the customer login button, select funder according to your contract and follow the prompt to log in.

You can view general loan account information such as loan balance, interest rate, available redraw and transactions.

To make changes to your repayment amounts, please contact our friendly customer service team on 13SAVE.
Please contact our customer service team on 13 SAVE and they will be able to assist you.
If your loan account is eligible to transfer funds between your accounts online, the menu option will appear in your online banking toolbar. Alternatively, please contact our helpful customer service team on 13 SAVE.

Yes, you can. However, if you prefer, you can send your details to us via our online form and we can update your records for you.

No, we will need to do this manually at your request. If your loan account is eligible for international funds transfer please contact customer service on 13 SAVE or alternatively, use our contact form.

As we have access to a number of different funders, the BSB or SWIFT will depend on your funder.

• Bendigo and Adelaide Bank 610-101
• Pepper Money 032-813
• ING Direct 923-100
• Advantedge Financial Services 083-545
• Resimac (Inward BSB) 032-809
• Resimac (Outward BSB) 704-960
• OriginMM 012-666
• Firstmac 704-997

Unfortunately, our funders do not currently offer this payment system, but it may be available in the future, please check back for updates.

Each funder has their own payment process and cut-off times. To ensure you meet the deadlines, please contact our friendly customer service team on 13 SAVE for details specific to your loan.
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