The smarter home loan that puts you in control. Up to 12 months with no out-of-pocket mortgage repayments on build and land — so you can build your dream home without the financial pressure.
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.
At Homepay you can finance with ease and 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:
Finally you can rent and build at the same time. First Home Owners Grant accepted. No genuine savings required.
Remove the financial pressure while your next home is under construction. No juggling two mortgages at once.
Target beginning loan repayments once the property begins generating rental income. Maximise your cash flow from day one.
Select your Homepay builder, pay your deposit and secure your Homepay loan through one of our trusted lenders.
Enjoy peace of mind as your mortgage repayments are paused for up to 12 months while your home is being constructed.
When your home is complete, move in or — if you are an investor — your tenants move in and start paying rent.
After the pause period, regular repayments begin — just as your dream home or investment property starts working for you.
Explore our extensive range of Homepay Accredited Builders across Australia. Every builder is independently verified.
Rigorous independent audits to ensure quality and accountability
Commitment to adherence to project timelines and schedules
Builders verified for financial stability and reliability
Whether you're looking to acquire a house and land package or invest in dual key properties, Homepay provides tailored financial solutions.
Benefit from 2% and 0% servicing buffers, offering greater flexibility and stability for your loan application.
Secure your property with deposits from 5% and no genuine savings requirements.
Access higher Loan to Value Ratios (LVRs) to maximise your investment potential.
Attractive interest rates starting from 5.50% for Owner Occupiers and 5.80% for Investors.
Take advantage of paused repayments on both build and land for up to 12 months.
Interest is simply deferred and rolled into your loan — reducing stress during the build period.
Book a free consultation to discover how Homepay can help you build your dream home or next investment property — with no repayments for up to 12 months.