Loan Types

Loan types - All the loans you know, and one that's unique to us

With Bluebay Home Loans, you get all the same types of loans that the banks offer – and one you won’t find anywhere else. But you don’t have to deal with a bank.

Instead, you deal with a friendly team who listen, give you the time you need to explain yourself, answer all your questions, and guide you through the whole process of buying a new home, covering all your options and the potential loan types available. It’s the best of both worlds!

Of course, you get the security of a bank too. Our loans are all backed by Australia’s biggest financial institutions, so you can borrow with confidence.

Our loan types 

Fixed rate home loans

Pay the same rate of interest every month, even if the Reserve Bank raises its rates. Learn more about our fixed rate options

Variable rate home loans 

Your interest rate goes up and down, as the Reserve Bank changes its rates. Learn more about our variable rate options

Split home loans

Part fixed rate, part variable rate – you choose how much you want to allocate to each. Learn more about our split loan options…

Low-doc home loans 

No need for all the financial documents the banks normally require – like tax returns and financial reports. Learn more about our low doc options…

Line of credit home loans 

Unlock the equity in your home, and use it for other things like a renovation, holiday or investment, without getting hit with a high interest rate. Learn more about line of credit loans…

Construction loans 

A loan used to build a new home. The loan amount starts at the value of your land, and increases as your home gets built. Learn more about construction loans…

Home to home loans 

A loan to help you buy or build a new home before you sell your existing home, so you don’t have to pay two mortgages at once (similar to a bridging loan, but at our standard home loan interest rates). Learn more about home to home loans…

Parent Assist home loans 

Parent Assist is an Australian-first product that allows your parents to help you come up with your deposit without putting their own home at risk. Learn more about Parent Assist…

Credit card at home loan rates 

When you take out a home loan with Bluebay Home Loans, you get a credit card that offers the same low interest rates as the home loan itself. Learn more about our credit card at home loan rates

Call today to discuss the best loan for you

Fill in our contact form or call 1300 258 229 to discuss the best loan for you. One of our friendly staff will walk you through your options, explain the process, and answer any questions you have. Or you can apply through one of our accredited mortgage brokers.