Finance One Home Loans

Looking for a home loan with real support and clear guidance? Finance One offers flexible options to help you buy, refinance, or invest.

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Finance One Home Loan Finance One Home Loan

Home loan lending solutions

When it comes to home loans, we offer flexible solutions that are designed to fit real-life situations, not just tick boxes.

Our loans range from $150,000 to $2,500,000**, with flexible repayments and genuine support from experienced lending specialists who look beyond just credit scores.

Key Features:

  • Home loans up to $2,500,000**
  • Residential properties - including rural residential
  • Loan terms up to 30 years
  • Choice of Principal & Interest or Interest-Only repayments
  • Extra repayments available (subject to loan type)
  • Redraw available
  • Maximum Loan to Value Ratio (LVR) ranges from 80-90%
  • Local support when you need it
FROM
8.29% P.A.*
Owner Occupied and Investment
Principal & Interest
FROM
8.40% P.A.*
Comparison Rate
*Comparison rate based on a property valued at $500,000 with a $150,000 loan over 25 years. WARNING: This comparison rate applies only to the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Fees

At Finance One, we understand that each borrower’s circumstances are different. Below is a summary of the key fees and charges that may apply to your Home Loan or Bridging Loan^. These fees may differ based on your loan type, the amount you borrow, your loan to value ratio, and your individual circumstances. At Finance One, we believe in transparency, and all fees and charges are clearly listed in your loan contract.

Fees

Finance One (ex GST)

Application Fee

From $995

Valuation fee*

Included in the Application Fee

(where the security property is located in a metropolitan location and is below $2.0m in value)

Risk fee 

An additional Risk Fee may be charged, based on the location of the security property and the LVR calculation.

Monthly Account

Keeping Fee

$15

Loan Discharge fee

$495

Redraw Fee

$50

Loan Variation Fee

$100

Missed Payment Fee

$22

Default Notice Fee

$22

*A valuation fee may be payable where the anticipated security property value is >$2.0m, or where the security property is in a regional location, or for second or additional securities. An internal Risk Fee may also apply to a loan at establishment, depending on the LVR and security location.
Apply for a Finance One Home Loan Apply for a Finance One Home Loan

How to apply for a Finance One home loan

  • Step 1 - Submit an Enquiry

    Start your application online and one of our lending team will contact you to discuss your goals.

  • Step 2 - Personalised Review

    We’ll take a close look at your application and your financial profile, without just focusing on your credit score.

  • Step 3 - Move Ahead with Real Support

    Once approved, you can move forward with your purchase, refinance, or bridging solution knowing you are supported by a real team who cares.

Frequently Asked Questions

What is a redraw?

A redraw lets you access extra repayments you've made on your Finance One Home Loan. It’s a flexible way to use your own funds when you need them, while helping reduce interest in the meantime. 

Redraw availability and conditions can vary depending on your loan, so feel free to check with our team or your lending specialist to see how it works for your loan. 

What is LVR?

LVR stands for Loan-to-Value Ratio. It’s the percentage of the property’s value you’re borrowing. For example, if you’re buying a home worth $500,000 and need a $400,000 loan, your LVR is 80%. At Finance One, we use LVR to help assess your application and tailor a home loan that fits your situation.

What is Principal and Interest?

Principal and Interest (P&I) refers to loan repayments that cover both the amount you’ve borrowed (the principal) and the interest charged. With a Finance One Home Loan, P&I repayments help reduce your loan balance over time while paying off the cost of borrowing. It’s a common option for borrowers looking to fully pay off their home over the loan term.

Do you offer self-employed home loans?

Yes. We regularly assist self-employed borrowers using flexible income verification methods that reflect your business performance and cash flow.

Can I make extra repayments?

Yes, depending on your loan type. Many of our home loans allow extra repayments without penalty.

Do you offer investment property loans?

Yes. We provide tailored investment property loans with both interest-only and principal & interest options.

Can I refinance with Finance One

Yes. We offer refinance and debt consolidation options to help you reset or simplify your finances.

Do you help people with past credit issues?

Yes. We take a flexible and fair approach to understanding previous credit events. Our focus is on helping you move forward with confidence.


**Applications for credit are subject to approval. Normal lending criteria, terms & conditions and fees & charges apply.
^For all applicable fees and charges please refer to your letter of offer and loan terms and conditions.
*Interest rates shown on this page are current as at 02/06/26 and are subject to change.
Consider if Finance One is right for you and the TMDs available at financeone.com.au

Ready to explore what’s possible?

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