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  • low rates

    looking for a better rate?

    try these variable rates for owner occupiers

    6.04%

    actual interest rate

    6.08%

    comparison rate^
    rates

  • Refinancing?

    is your loan 2 years old?

    Look at getting a free & simple humbl loan review to ensure that you are on the best loan rate and product available.
    apply

  • i/o or p&i

    Getting this right is so important!

    it's all about the numbers and how they work for your circumstanses. be sure to catch up with one of our humbl loan advisors to get all of the best advice on making this decision.
    more info

  • FIXED RATES

    to fix or not to fix...

    getting the timing right here can save you a lot of wasted interest to the bank
    fixed rates

  • SELF EMPLOYED

    loans for the self employed made easy

    whether you have 2 years full tax returns, just 12 months tax returns, or no tax returns, a humbl loan advisor can assess how much you can borrow.
    rates here

  • Building?

    if looking to build a new home, a granny flat or a knock down rebuild, getting all of your finances in order before you talk to the builder is the best idea...

    New build... Granny Flats... Knock down & rebuild...

    talk a builder

Working in your best interest...

Because we know that every borrower has different needs, a humbl loans advisor will work with you to ensure that your best interests they are always being put first. So whether you looking to buy your first home, your first investment property or just looking to get a better home loan rate, you can be assured that a humbl loans advisor is always on your financial side.

Buying your 1st Home?

Buy your first home with confidence.
Getting the right loan is only part of the journey, knowing your buying limits, having everything pre-approved and understanding the buying tricks of the real estate industry all play a vital part in getting you a great first home home price.
more info

Use a Construction Loan Expert

Don't just just get a loan, work with an expert that will help you borrow the maximum amount you require, get your structure right and do all of the financial work for you all the way to completion of the build and beyond.
more info

Need to Refinance?

We'll find the lowest rate home loan that most suits your needs and is always in your best interest. So, stop wasting money on higher interest rates and work with a humbl loans advisor today.
apply online
Concerned about rising interest rates?
Looking at a fixed rate home loan may help with this concern. A humbl loans advisor will always ensure that a fixed rate home loan is what is best for you.
Owner Occupied Rates
Did you know that a lot of lenders now give you a cheaper home loan rate if you have more equity in your home...
rates here
Investment Loan Rates
Did you know that some lenders offer lower rates to property investors than to owner occupiers?
rates here
Self Employed Loans
Being self employed can sometimes make lending a more complex task. Let a humbl loans advisor do all of the work then...
rates here

what makes us different

Since 2005, I have always believed in educating & empowering clients to both reduce debt and increase wealth for themselves and their future families. My core belief is that our community deserves to work with highly trained, trusted, passionate, professional lending experts that will always work in their clients best interest. Our goal here at humbl loans is to see our clients become prosperous, healthy and blessed in every part of their life. I look forward to you being able to experience the humbl loans difference.
Wayne Calvert
humbl loans founder

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Why Interest Rates Rise

Learn why and how interest rates rise and what effect this has on people with home loans and credit facilities. See how it even impacts you when you don't have any loans.
0416 468 656
Humbl Loans is a trading name for XPANZ Pty Ltd (ABN 92 619 226 112) which is an Authorised Credit Represenative of Sure Harvest Pty Ltd - Australian Credit Licensee (ACL) No. 388468 As required by the Australian Securities Investments Commission (ASIC), you can read our Credit Guide here along with our privacy policy here ^disclaimer note: the home loan with the lowest current interest rate is not necessarily the most suitable for your circumstances, you may not qualify for that particular product, and not all products are available in all states and territories.
*the comparison rate provided is based on a loan amount of $150,000 and a term of 25 years. warning: this comparison rate applies only to the example or examples given. different amounts and terms will result in different comparison rates. costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.. this comparison rate is true only for examples given and may not include all fees and charges. different terms, fees or other loan amounts might result in a different comparison rate.
important information: applications are subject to credit approval. full terms and conditions will be included in our the offer. fees and charges may be payable. interest rates are subject to change. as this advice has been prepared without considering your objectives, financial situation or needs, you should consider its appropriateness to your circumstances before acting on the advice.
fixed rate loans are not set (locked in) until loan funds are drawn down. all quoted fixed rates are indicative only and are set from loan settlement.