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.