We don’t put our customers in tick-box categories!

Home Loans of Oz are doing things differently. Our rate for risk technology considers over 100 data points to provide a tailored interest rate to you. These data points include:

  • Loan to Value Ratio
  • Credit history
  • Income and expenses
  • Loan type e.g. owner occupied or investment
  • Loan term
  • Loan features e.g. offset or interest only
  • Borrower type e.g. First Home Buyer
  • Security type e.g. low-density home, regional, high rise

Risk-based pricing delivers a fairer approach by providing better terms to the more creditworthy borrowers.