Banks Compete.
You Save.
Australia's simplest home loan platform. Get multiple offers in 5 minutes and save $47,000 on average.
✓ No impact on credit score • ✓ Instant pre-approval • ✓ Compare 40+ lenders
The Smarter Way to Get a Home Loan
We've revolutionized the home loan process. Instead of you doing all the work, banks compete to offer you their best deals.
Banks Compete For You
Instead of shopping around, banks bid for your business with their best rates
5-Minute Application
Quick and simple application process. No lengthy paperwork or multiple meetings
100% Secure & Free
Bank-level security with no hidden fees. Your information is always protected
Expert Support
Dedicated loan specialists guide you through every step of the process
Transparent Savings
See exactly how much you'll save with clear comparisons and no surprises
All Loan Types
Home purchase, refinancing, investment properties - we handle it all
How It Works
Our revolutionary reverse auction process puts you in control. Banks compete for your business, not the other way around.
Quick Application
Complete our simple 5-minute application with your basic loan requirements
Banks Review & Bid
Our network of 40+ lenders review your application and compete with their best offers
Compare & Choose
Review competing offers side-by-side and choose the loan that saves you the most
Settle & Save
We handle the paperwork and settlement process. You just enjoy the savings
Join 25,000+ Australians Who've Already Saved
Our customers save an average of $47,000 over the life of their loan. See what you could save in just 5 minutes.
Why 25,000+ Australians Choose Us
We don't just find you a better rate - we revolutionize how you get a home loan. Here's what makes us different.
Save $47,000 on Average
Our customers save an average of $47,000 over the life of their loan compared to their previous rate
5x Faster Than Traditional
Complete your application in 5 minutes instead of hours of paperwork and multiple bank visits
Better Rates Guaranteed
Banks compete to offer you their best rates. If we can't beat your current rate, we'll tell you upfront
100% Secure & Free
Bank-level security, ASIC regulation, and no hidden fees. Your information is always protected
Everything You Need, Nothing You Don't
Complete home loan service with full transparency
40+ Lenders Compete For Your Business
We work with Australia's major banks and specialist lenders. They compete to offer you their best rates and terms.
Trusted Across Australia
From Sydney to Perth, Australians are saving thousands on their home loans with our revolutionary reverse auction platform.
Helping Australians Nationwide
Loans processed by major Australian cities
See How Much You Could Save
Use our calculator to estimate your potential savings. Most customers save 0.3% or more on their interest rate.
Loan Calculator
Monthly Savings
Lower monthly repayments
Yearly Savings
Annual interest savings
Ready to Start Saving?
It takes just 5 minutes to see how much you could save. No fees, no obligations, just better rates.
✓ 5-minute application • ✓ Instant pre-approval • ✓ No credit score impact
What Our Customers Say
Real stories from real Australians who've saved thousands with our reverse auction platform.
"I couldn't believe how easy it was. Instead of spending weeks visiting different banks, they all came to me with their best offers. Saved over $50k on my refinance!"
"The reverse auction concept is brilliant. Banks were literally competing for my business. Got a rate I never would have found on my own."
"As an investor, I need the best rates possible. Home Online delivered exactly that - multiple banks bidding for my investment property loan."
Got Questions? We've Got Answers
Everything you need to know about our reverse auction process and how we help you save on your home loan.
Instead of you applying to multiple banks, you submit one application to us. We then share your details with our network of 40+ lenders who compete by submitting their best offers. You review all offers side-by-side and choose the one that works best for you.
Don't Wait. Start Saving Today.
Every day you wait is money you're losing. Join thousands of Australians who've already switched to better rates.