We're the
lender with
real options
Dream homes made possible We're the
lender with
real options
Whatever the reason to sell and purchase again, at emoney Home Loans we know that there is no such thing as a one-size fits all solution. That’s why we take the time to understand your needs and find you the very best mortgage for your next home.

Did you know we have access to hundreds of fully featured home loans?
This means you can be confident that we will find you the best home loan solution.

Common types of home loans

Variable rate

The interest rate on variable rate loans fluctuates whenever the RBA changes Australia’s cash rate. These types of loans tend to offer additional features and provide you with greater flexibility when managing your home loan.

Fixed rate

Another common type of home loan, fixed rate mortgages lock your interest rate for a specified term so you know exactly what your regular repayments will be.

Low doc

Ideal for the self-employed, low doc home loans are flexible on the paperwork required to assess your application.


If you plan to make extensive renovations or build a new home, we can help take the hassle out of finding a competitive construction loan.


A bridging loan allows you to purchase a new home before you have sold your current one. It is typically an interest-only loan and only available for a short term (usually 6 – 12 months), commonly known as the bridging period. Once the bridging period has ended your loan will convert to a standard home loan where you can either fix your rate or keep it on variable.

Home loan features

When choosing a new home loan, there is more to consider than just the interest rate. Many home loans offer additional features that can help you save on interest repayments, reduce your mortgage term and provide you with flexibility to handle whatever life throws at you.
One of the more popular features is an offset account. It operates like a savings account that is directly linked to your home loan. Any money in your offset account reduces the interest charged on your linked home loan.
Traditionally only available with variable rate home loans, some fixed rate loans now offer this feature. Extra repayments allow you to pay additional sums on top of your regular repayments to bring down the principal and in so doing, pay less interest.
This feature is typically found with home loans that allow extra repayments, although it is unusual to have a redraw facility as part of a fixed rate home loan. A redraw facility allows you to withdraw funds from the extra repayments you have made.
With a split loan you divide your home loan into a fixed portion and a variable portion. This can give you the stability of a fixed interest rate, with the benefits of possible interest rate reductions and other features associated with variable rate home loans.
This feature allows you to swap the security property on your home loan. In other words, if you buy a new house, you may be able to keep the same loan which could save you on loan set up and discharge fees.

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