Build now, Pay later
Homepay: The smarter home loan that puts you in control. Discover a stress-free path to building your dream home with our selection of quality properties.
With our innovative financing solution, you can choose from our portfolio of available properties and start construction today, managing payments on your terms. No more waiting years to save for a deposit or dealing with traditional mortgage stress.
Homepay offers flexibility, transparency, and peace of mind throughout your home building journey. We've reimagined the home loan process to work for modern families and individuals by providing both the financing and the properties you need.
Finally, a home loan that tailors to your life and gives you choice
Pause mortgage repayments
Pause mortgage repayments for up to 12 months on build and land
Generous borrowing capacity
Choice, ease, and trusted lenders with generous borrowing capacity
Industry leading build times
Accredited, quality, and confidence with independently audited builders
What is Homepay?
Finance with ease
Enjoy up to 12 months with no out of pocket mortgage repayments on build and land to help you build without the financial pressure of making monthly mortgage repayments.
The interest for this period is simply deferred and rolled into your loan, allowing you to focus on your build without the added pressure of juggling rent or an existing mortgage.
All backed by market competitive rates, generous borrowing capacity and trusted lenders.
Build with Confidence
Homepay loans are available exclusively through our network of Accredited Builders across Australia. These builders have undergone rigorous independent audits to ensure financial stability, adherence to project timelines, and a commitment to high-quality construction.
At Homepay you can finance with ease, build with confidence
Who is Homepay for?
First Home Buyers
Finally you can rent and build at the same time. First home owners grant accepted.
Second Home Buyers
Remove the financial pressure while your next home is under construction.
Investors
Target beginning loan repayments once the property begins generating rental income.
How does it work?
Deposit
Your journey starts now! Simply select your Homepay builder, pay your deposit and secure your Homepay loan through one of our trusted lenders.
Repayments paused
Enjoy peace of mind as your out-of-pocket house and land mortgage repayments are paused for up to 12 months while your Homepay Accredited Builder constructs your dream home.
House completion
When your home is complete, you can move into your dream home or, if you're an investor, your tenants can move in and start paying rent.
Welcome to property ownership
With Homepay, you benefit from no out-of-pocket house and land repayments for up to 12 months. After this period, your regular repayments will begin—just as your dream home or investment property starts working for you.
Find your Homepay Accredited Builder
Independently Audited
All builders have undergone rigorous independent audits to ensure quality
Industry Leading Build Times
Commitment to adherence to project timelines
Financial Stability
Builders are verified for their financial stability and reliability
Explore our extensive range of Homepay Accredited Builders across Australia. Ready to begin your journey? Let's Get Started
The Homepay Loan
Finance with Ease
Enjoy up to 12 months with no out of pocket mortgage repayments on build and land
Build with Confidence
Work with independently audited builders committed to quality construction
Deferred Interest
Interest is simply deferred and rolled into your loan
Reduced Stress
Focus on your build without the added pressure of juggling rent or an existing mortgage
House & Land Packages and Dual Key Properties
Whether you're looking to acquire a house and land package or invest in dual key properties, Homepay provides tailored financial solutions.
Begin your journey to seamless home ownership or property investment with our comprehensive support.
Servicing Buffers
Benefit from 2% and 0% servicing buffers, offering greater flexibility and stability.
Low Deposit Options
Secure your property with deposits from 5% and no genuine savings requirements.
Higher LVRs
Access higher Loan to Value Ratios (LVRs) to maximise your investment potential.
Competitive Interest Rates
Enjoy attractive interest rates starting from 5.50% for Owner Occupiers and 5.80% for Investors.
Paused Repayments
Take advantage of paused repayments on both build and land for up to 12 months.
Ready to begin your Homepay journey?
12
Months
No out-of-pocket house and land repayments
100%
Confidence
With independently audited builders
0
Financial Pressure
While your dream home is being built
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P: 0416 189 765