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.
They earn good combined income but pay $650/week in rent. Saving a 20% deposit feels impossible. With Homepay, they secure a block today with just 5% down, lock in the land price, and continue renting comfortably for the next 12 months while their home is built — without a single construction repayment. When the house is finished, they move in and start their mortgage fresh — in a brand new home they built on their terms.
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.
Select your builder, secure your Homepay loan, and lock in your land price. Your journey starts here.
$0 RepaymentsContinue living your life exactly as you do now. Construction is underway — you pay nothing to the lender.
$0 RepaymentsYour home is taking shape. Your cash stays in your pocket (or your offset account).
$0 RepaymentsMove in or tenant moves in. Rental income covers your mortgage. Regular repayments begin.
Income StartsWith builder insolvency a genuine concern in Australia, we only work with builders who pass our rigorous independent audit process.
Rigorous independent audits to ensure quality and accountability
Commitment to adherence to project timelines and schedules
Builders verified for financial stability and reliability
Desktop audits and supplier discussions to verify the builder's track record and industry reputation.
Face-to-face review of product offerings, designs, inclusions and ability to support Homepay clients.
Processes, systems, technology and infrastructure examined by a Certified ISO Lead Auditor.
Current builds inspected for compliance with the National Construction Code (NCC) and Australian Standards.
Years of financial records reviewed to ensure the business is financially viable and sustainable.
Accredited builders are continuously monitored for quality, timelines and financial health.
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.
That's over an 84% total LVR without LMI or risk fees. Investors can now build without holding cost pressure or the need to pull excess equity from other sources to cover construction interest-only repayments.
It's a game changer for the property investment market.
This strategy is exclusively for investors building a rental property. Once your Homepay property is completed and tenanted, we can help you access up to $100K in usable equity based on the rental income the property is now generating. That money can go straight toward the deposit on your next investment property.
But here's where it gets powerful. Because building typically creates an equity uplift — the completed home is often worth significantly more than the combined cost of land and construction — you're not just unlocking rental-based equity. You're stacking it on top of manufactured equity from the build itself, giving you a substantially larger deposit than you started with.
The result? You go from one property to two without waiting years to save. Your first build funds your second. Your portfolio grows faster. And because your Homepay loan paused repayments during construction, your cash flow stayed intact the entire time.
This is how Elite Wealth Creators helps investors scale a portfolio strategically — not by saving harder, but by building smarter.
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.