Loans Programs:
  • Owner-Occupied
  • Line of Credit Facility
  • Residential Construction Loans
  • Commercial Construction Loans
  • Commercial Mortgages
  • No Income Self Employed / Investor Finance


  • Owner-Occupied Premium Power & Premium Plus
    Loan Size from $30,000 -$4,000,000 per security property
    Repayment Options Principal & Interest (P&I) & Interest Only (IO)
    Interest rate options Variable P&I up to 30 years
    Fixed IO up to 5 years
    IO up to 10 years < 85%
    LVR Fixed P&I up to 5 years
    Maximum loan term 30 years approximately
    LVR 100% - for loans up to $500,000 for owner occupied loan 95% - for loans up to $750,000
    85% - for loans up to $1,000,000
      (Metropolitan Melbourne, Sydney, Brisbane, Adelaide & Perth)
    80% - for loans up to $2,500,000
      (Metropolitan areas of Melbourne & Sydney only)
    65% - for loan up to $3,000,000
    60% - for loan up to $4,000,000
    Vacant Land 95% Maximum loan size is $500,000 -- Metropolitan
    90%Maximum loan size is $500,000 -- Regional
    Additional repayment Variable interest rate option only can be made via;
    Direct debit system from nominated bank account
    Direct salary crediting
    Other income credits;
    BPAY
    Repayment frequency Weekly, fortnightly or Monthly- Day & Date can be nominated
    Security Acceptable residential property
    Fees Account Keeping Fees -- No
    Statement Fees -- No
    Transaction Fees (4 free non-std trans p/m -- Yes
    Unused Limit fee -- Yes
    Early Repayment Fee -- Yes
    Redraw conditions Variable Interest rate options only can be arranged via:
    Direct Credit to nominated bank account
    2 business days notice is required;
    No minimum redraw amount
    Credit Card Features One Link Master Card & American Express


    We work to get you the best loan possible.
    Our qualification process is simple and fast!





    Line of Credit Facility Line of Credit Facility Variable rate Line of Credit facility with
    - cheque book,
    - Credit card, and
    - direct debit facilities
    Loan Size $30,000 minimum $1,250,000 max per security property
    Interest rate options Variable Only
    IO for 15 years <85% LVR then amortisation program commences
    P & I over remaining 15 years
    Loan to Value Ratio 90% for loans up to $600,000 (Australia Wide)
    80% for loans up to $1,000,000
    (Metropolitan areas Melbourne, Sydney, Brisbane, Adelaide & Perth only)
    75% for loans up to $1,250,000
    (Metropolitan Melbourne & Sydney only)
    Lender Mortgage Insurance Required on all loans
    Premium is only payable by the borrowers when the loan amount is greater than $500,000 and/or LVR is greater then 80%
    Maximum loan term 30 years
    Repayments Additional repayments can be made.
    Direct debit system from nominated bank account
    Direct salary crediting
    Other income credits
    BPAY
    Repayment frequency Weekly, fortnightly or monthly day & date can be nominated.
    Security Acceptable residential property
    Fees & Redraw
    Account Keeping Fees No
    Statement Fees No
    Transaction Fees (Unlimited free trans p/m) No
    Unused Facility Fee Yes
    Early Repayment No
    Redraw conditions Can be arranged via:
    - Direct Credit to nominated account
    - Credit Card sweep
    - Cheque book access to available funds
    - Optional Direct Debit
    2 business days notice is required & no minimum redraw amount
    X X
    X X
    X X


    Residential Construction Loans
    At Power Home Loans we're home construction experts. We can offers flexible finance options so you can build your dream home to your needs. We can answer your questions and your builder questions so your project keeps moving smoothly from groundbreaking to housewarming. With our construction loan is a one-time close loan. This means with one application, you get all the financing you need is one easy process.
    Loan Amount Minimum: $35,000
    Maximum: $1,250,000
    Loan Term 10, 15, 20, 25 or 30 years
    Repayments Monthly Interest only during construction
    After construction. Loan converts to Variable Interest only & P & I automatically, however requests for other products can be made.


    Commercial Construction Loans
    Loans available up to 75% of final valuation
    Interest payable half yearly in arrears



    We work to get you the best loan possible
    Our qualification process is simple & fast



    Commercial Mortgages

    You need space, not a paper chase. You want to purchase building. Refinance an existing commercial property.
    Construct your own workplace from the ground up. Or just add square feet to a building your business has grown.

    Power Home Loans can help you. You won't have to jump through hoops to get cooperation or our quick response.
    Tell us where you want to came. Most of the paperwork will be taking up our time and desk space, not yours. So you can continue to manage your business free of the extra burdens that usually come with applying for a loan.

    Be kind to your cash flow. We structure loans so our customerswon't feel the pinch By granting extended terms of interest only we make sure you can maintain a healthy cash flow.

    Be kind to your bottom line. A commercial mortgage is a big undertaking for small business owners. We offer competitive rates and terms for loans:

    Loans available up to 70% of valuation

    Interest payable monthly, quarterly & half yearly

    Loan Amount from $100,000 to $25,000,000

    No penalties for early repayment (Variable interest only)

    Loans for own business ventures or commercial investment properties

    Principal reductions can be made at any time (Variable interest only)

    On rate calls No reappraisal & no interim maturities.

    Have it all. When all you really want is a loan, contact us.
    And let us help you with all your commercial financing needs



    We work to get you the best loan possible
    Our qualification process is simple & fast




    No Income Self Employed / Investor Finance
    Loans for Good people with hard to prove income. We have home loans that donít require traditional income documentation.
    With Power Home Loans no-income verification loan was developed to help self employed, commissioned, and salaried borrowers who have good savings but cannot show all their income. Programs range 65% financing to 80% financing. We can customize a no-income verification loan for you based on your specific needs.
    Loan size from $30,000 to $3,000,000 per security property
    Repayment Options Principal & Interest (P&I), or Interest Only (IO)
    Interest rate options Variable P&I up to 30 years
    Fixed IO or P&I up to 5 years
    IO up to 10 years
    Maximum loan term 30 years approximately
    LVR Insured 80% - for loans up to $1,000,000 (Metropolitan Areas & Regional Areas of Australia)
    80% - for loans up to $750,000 (Larger Country Areas)
    80% - for loans up to $500,000 (Australia wide)
    LVR Uninsured 80% - for loans up to $1,000,000 (metro areas of Australia)
    80% - for loans up to $ 500,000 (metro, regional and country areas of Australia)
    70% - for loans up to $1,000,000 (regional areas of Australia)
    65% - for loans up to $1,500,000 (metro, regional areas of Australia)
    65% - for loans up to $2,000,000 (metro areas of NSW, Act, VIC, QLD, SA and WA)
    60% - for loans up to $3,000,000 (metro areas of NSW and VIC)
    Line of Credit 80% - for loans up to $500,000
    65% - for loans up to $600,000
    Vacant Land Metropolitan Areas only
    Maximum loan size is $350,00
    Additional repayment Variable interest rate option only can be made via;
    Direct debit system from nominated bank account
    Repayment frequency Weekly, fortnightly or monthly; Day & Date can be nominated