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What is HomePay?

HomePay Finance is a loan solution allowing you to start full loan repayments when you get the keys to your new home, reducing financial pressure and helping you get into your new home sooner.

Our goal is to make building easier for you, whether you’re buying a block, building your first home, second home, or an investment. Thanks to our partnership with Bank of us we have the knowledge & capability to help turn your property dreams into a reality.

HomePay means you can continue enjoying the lifestyle you always have.

How does it work?

Once your home loan is approved, the first step is to settle on the land purchase or refinance other property, whichever is applicable.

The construction part of the loan is funded whilst your new home is being built, and you’ll start making full loan repayment on your HomePay loan once you receive the keys to your new home.

Who is HomePay best suited to?

First Home Buyers
People who are caught up in the rental market and would find it hard to manage rent and loan payments at the same time.

Second Homeowners
People who have a current property and would like to build a new home to live in, however need to sell their existing house or will be renting out their existing house once their new home is built.

Those who would like to build a new investment property and would like to start loan repayments once the property is earning income.

What are the benefits?

  • It’s seamless and efficient as you’re dealing with a local builder and a local lender who have a refined process for working together.
  • Competitive interest rates.
  • Fixed rates are available.
  • Loan-to-Value ratios up to 95% (plus LMI).

It may help in getting you into a home earlier than had been anticipated.

Could HomePay work for you?

HomePay could be the answer you have been looking for to help turn your property dream into a reality.

Open the door today with HomePay!

For detailed information regarding HomePay, please contact us today!


HomePay is funded by Bank of us. Lending criteria, terms and conditions, including fees and charges apply. Full details available on application. Bank of us is a trading name of B&E Ltd ABN 32 087 652 088 AFSL & Australian Credit Licence 236870.

Normal Bank of us lending assessment criteria and approval processes apply. Deposits are required, however these do not need to be all genuine savings (dependent on location of property) therefore some government grants may be used towards the deposit. Guarantors accepted (for security purposes only). SJM Property Developments. ABN 33 603 882 097