MyBudget Loans

Less to pay, more to live


We’re committed to helping our clients live their best lives, which includes providing caring support and peace of mind at a time when certainty may be hard to find.


Part of our commitment is ensuring that our clients have access to affordable, ethical, life-improving mortgages and loans. That’s why we established MyBudget Loans.


Access to MyBudget Loans is a FREE benefit offered exclusively to MyBudget clients. 

Are you an existing MyBudget Loans client?

Follow the links below to access your internet banking. Tap the BSB for your loan product to log in directly.

Lower interest payments means more living

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    No brokerage fees

    We’re paid by our panel of lenders

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    Wide range of products

    Over 40 lenders to select from

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    We do the heavy lifting

    Leave the paperwork to us

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    Discount mortgage rates

    Variable and fixed interest options

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    Non-conforming loans

    Great or poor credit, we can help

Types of loans we offer

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    Home loans

    Finding the right home is hard enough, let alone working out which loan and lender is right for you. We’ll guide you through the process, from getting you set up to final settlement. We can also pre-approve your home loan, which means you can house-hunt and negotiate with peace of mind.

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    Mortgage refinancing

    Are you paying too much for your mortgage? Would you like to free up cash by releasing equity in your home? With mortgage interest rates at record lows, there’s no better time to evaluate your mortgage. On average, we save clients around $4800 a year compared with their existing repayments.

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    Debt consolidation loans

    Are high-interest debts costing you too much? Are you juggling multiple debts from multiple lenders? A debt consolidation loan may save money, free up cash and reduce stress by simplifying your debts into a single loan with one repayment. Get a rate estimate in less than 60 seconds, plus fast approvals.

We can also help with:

  • Low-doc loans

    We can help with low-doc loans for borrowers who are self-employed and unable to prove their income by payslips or tax returns.

  • First home loans

    We can help you get into your first home faster, as well as help you navigate the schemes and incentives available to first home buyers.

  • Investment property loans

    Choosing the right loan is an important part of achieving your investment property goals. We can help you find the right loan and lender.


Our promise to help you navigate your way through uncertain times

Our promise is to ensure that our clients have access to ethical, affordable loan products. We do this by connecting people with the right kind of loan for their situation.


We’re also here to help you navigate the current environment, which includes reducing uncertainty and providing peace of mind through personalised, caring, expert support.



Expert support

Terms and Conditions

MyBudget Loans works alongside MyBudget.

MyBudget Loans has a separate ACN 613 857 104 and has a credit licence: Australian Credit Licence 492064.

Terms and Conditions apply, and lender fees and charges may be payable. MyBudget Loans does not guarantee loan approval as each individual loan application is subject to a formal assessment.

Copyright 2018 MyBudgetLoans Pty Ltd.

Maximum Interest Rate Charged

We offer a variety of interest rates on our home loans that vary depending on your individual situation. Currently, the highest rate you could expect to pay on a new home loan is 8.11% per annum. This particular rate is applicable for applicants that have had credit issues in the past such as bankruptcy or credit defaults. However, the majority of our clients are offered an interest rate lower than the standard variable rate offered by the banks.

Fees Charged

The Fees you will be charged can vary depending on the circumstances associated with your home loan application, the type of loan selected and the value of your property. For example, the standard upfront fees charged could be:

• Application Fee up to $990
• Valuation Fee: $330 or as charged by the Valuer

Other Fees that may be charged are those by Solicitors, Mortgage Insurers or the Lender of your loan. Contact us direct to find out what fees would be applicable to your situation.