Start your home loan application today
Use our quick and easy online home loan application service and get multiple quotes to compare — quickly and effortlessly.
We work with all the leading banks to secure you a home loan
ooba is more likely to secure you a bond than your bank
By using ooba you are more likely to get your home loan approved than by just applying to your bank.
We will help you complete one application form which can be submitted to all banks.
We will apply to multiple banks including your own with only one application.
We will provide you with multiple quotes to compare.
We will negotiate rate & terms where necessary.
We will help you secure a zero deposit bond if required.
Our service is FREE, with zero obligation.
Ranked #1 in Home Loans on Hellopeter
Average rating of 4.86 from over 4 550 reviews
ooba are the best
Wow! ooba are amazing! Our bank of years gave us a terrible offer on our second home loan. Jerome at ooba did everything he could to get us a better deal, and came back with a better offer then we ever hoped for. I really got the feeling he actually cared about our bond application. Thank you ooba, this is a fantastic service.
Richard H
Fast, efficient, effective
Karen and Qeef were absolute stars! Fast, efficient, effective, super responsive. Qeef got me a good pre-approval. Karen got me an offer from all 4 main banks within a matter of days, and negotiated with my preferred bank until their offer was improved to beat the initial-best offer from another bank. I’m super impressed.
Barbara F
Outstanding service from Jerome at ooba
I recently worked with Jerome at ooba Home Loans and I couldn’t be happier with the experience. From the start, Jerome was incredibly attentive, knowledgeable and made the entire process seamless. His expertise helped us secure a favourable interest rate. Jerome’s promptness and consistent communication put me at ease. He was always available to answer any questions and kept us updated every step of the way. Thank you for making this process so easy!
Nisa A
Home Loan Application FAQs
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What documents do I need when applying for a home loan?
A completed and signed application form, a copy of your ID, proof of residence, a copy of the offer to purchase containing both the seller and purchaser’s details, proof of income, six months’ worth of bank statements and a copy of the marriage certificate (if married).
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What do the banks look at when considering my home loan application?
The first thing the banks will do is review your credit score. Then they will look at your income and expenses to gauge your ability to repay the monthly home loan instalments. They will also take the size of your deposit (if you have one) into account.
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Will my bank give me the best deal on a home loan?
This might have been the case many years ago, but today, it’s a common misconception that your bank will give you the best deal. The only way to get the best deal on your home loan is to work through a bond originator – or home loan comparison service – like ooba Home Loans.
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How long does it take for the bank to approve a home loan?
You can get your first home loan approval in principle within a few hours after we submit your home loan to the major banks. All answers from the major banks should be in within 48 hours. If a valuation or further documentation is needed, it could take between seven days and two weeks from the day the home loan application is submitted.
Our experts are available from 8am to 5pm, Monday to Friday excluding public holidays.
We will respond within 24 hours.