Home Personal Banking Business Banking Global Transfers Private Banking Investment Accounts Home Loans Personal Loans Savings & CDs About Us Contact
Open an Account
Home Loans · Privolux Group · Est. 2025

Your dream
home, financed
with precision.

Competitive rates, flexible terms, and a dedicated relationship manager guiding you every step of the way. From first-home buyers to seasoned investors — we make it happen.

Fixed 2 Year
5.89% p.a.
Fixed 5 Year
5.69% p.a.
Variable Rate
6.14% p.a.
Fixed Rates from 5.69%No Hidden FeesPre-Approval in 24hrsUp to 30 Year TermsOffset AccountsRedraw FacilityFirst Home Buyer SupportInvestment LoansRefinancing AvailableFixed Rates from 5.69%No Hidden FeesPre-Approval in 24hrsUp to 30 Year TermsOffset AccountsRedraw FacilityFirst Home Buyer SupportInvestment LoansRefinancing Available
What We Offer

Every home loan
service, under one roof.

Hover or click any service to explore what Privolux offers — built for your unique situation.

01
Home Purchase Loan
Finance your first or next property purchase with competitive fixed and variable rates, flexible repayment structures, and no application fees.
02
Refinancing
Switch your existing home loan to Privolux and take advantage of better rates, reduced fees, and improved loan features — often saving thousands.
03
Investment Property Loan
Grow your property portfolio with loans designed for investors — interest-only options, offset accounts, and tax-optimised structures.
04
Construction Loan
Building your dream home from the ground up? Draw down funds in progressive stages as construction milestones are completed.
05
First Home Buyer
Dedicated support for first-time buyers — from government grant guidance to deposit assistance schemes and low-deposit loan options from 5%.
06
Home Equity Release
Unlock the equity built in your home to fund renovations, investments, education, or lifestyle — without selling the property.
Home Purchase
Buy with confidence
and clarity.
Whether you're buying your first home or your fifth, Privolux provides the most competitive rates on the market paired with a personal relationship manager who handles everything. No stress, no surprises.
5.69%
From p.a.
95%
LVR Available
30yr
Max Term
Fixed & Variable
Offset Account
Redraw Facility
No Application Fee
Refinancing
Save more with
a smarter switch.
Thousands of Privolux clients have saved significantly by refinancing. We'll review your current loan, compare it against our offers, and manage the entire transition — often at zero cost to you.
$0
Switch Fees
48hr
Fast Approval
$320k
Avg. Savings
Free Rate Review
Cash-Back Offers
No Break Fees
Same-Day Assessment
Investment Loans
Build wealth through
property.
Investment property loans from Privolux are structured for maximum tax efficiency and cash-flow management. Interest-only periods, portfolio-level lending, and dedicated investor advisors make us the preferred choice.
5.89%
From p.a.
IO
Options Available
10
Max Properties
Interest-Only
Portfolio Lending
Tax Structuring
Negative Gearing
Construction
Build it your way,
stage by stage.
Construction loans release funds progressively as each stage of your build is completed. You only pay interest on what's drawn down, keeping your costs low while your home takes shape.
5
Draw Stages
18mo
Build Period
IO
During Build
Progressive Drawdown
Interest-Only Build
Builder Inspection
Cost Variation Cover
First Home Buyer
Your first home,
made possible.
First home buyer? We've helped thousands take their first step. Our specialist team will guide you through government grants, stamp duty concessions, and low-deposit options — all the way to settlement day.
5%
Min Deposit
$10k
Grant Eligible
LMI
Waiver Options
5% Deposit
LMI Waiver
Grant Assistance
Free Consultation
Equity Release
Unlock the value
inside your home.
Your home has grown in value — now put it to work. Access up to 80% of your property's equity as a line of credit or lump sum. Fund renovations, investments, education, or retirement without selling.
80%
Max LVR
LOC
Line of Credit
$50k
Min Release
Line of Credit
Lump Sum
No Reselling
Flexible Use
Loan Types

Choose your
rate structure.

Hover each card to explore. Every loan type comes with full redraw and offset capabilities.

Fixed Rate
5.69%
2-Year Fixed
Lock in certainty. Your repayments stay the same for the full fixed period — ideal if rates are expected to rise.
  • Repayment certainty
  • Budget with confidence
  • Break costs may apply
  • Convert to variable after term
Explore Fixed Rate
Most Popular
5.69%
5-Year Fixed
Maximum security for the long term. Our lowest fixed rate — protect yourself from rate rises for five full years.
  • Our lowest fixed rate
  • 5 years of certainty
  • Offset account included
  • Extra repayments up to $10k/yr
Explore 5-Year Fixed
Variable Rate
6.14%
Variable Rate
Maximum flexibility. Make unlimited extra repayments, access a full offset account, and benefit if rates drop.
  • Unlimited extra repayments
  • Full offset account
  • No break costs
  • Rate follows RBA movements
Explore Variable Rate
Mortgage Calculator

See your
repayments instantly.

Adjust the sliders to calculate your estimated monthly repayment in real time.

Loan Amount $650,000
$50k$5M
Deposit 20%
5%60%
Loan Term 25 years
5 yrs30 yrs
Interest Rate Type
Repayment Type
Estimated Monthly Repayment
$3,842
per month
Borrowing Amount
$520,000
Interest Rate
5.69% p.a.
Loan Term
25 years
Total Interest Payable
$632,600
Total Repayable
$1,152,600
LVR
80.0%
Loan Eligibility Estimate84%
* This is an estimate only. Actual repayments depend on your financial situation. Rates current as of today and subject to change. Comparison rate 5.84% p.a.
Application Process

From application
to settlement — we've got you.

Step 01

Apply Online

10-minute digital application, any device

Step 02

Submit Docs

Upload ID, income proof & statements

Step 03

Assessment

Our team reviews your full application

Step 04

Approval

Conditional or full approval issued

Step 05

Settlement

Keys in hand — you're a homeowner

Apply in 10 minutes, online.
Our streamlined digital application captures everything we need — no paperwork, no branch visits. Apply from any device, any time. Most applications are acknowledged within 2 hours.
Basic personal and employment details
Property address and purchase price
Loan amount and deposit details
Consent for credit assessment
Select your preferred loan product
Simple, secure document upload.
Securely upload your supporting documents via your Privolux portal. Bank-grade 256-bit encryption protects every file. Our team reviews uploads within 4 business hours.
Government-issued photo ID (passport or licence)
Last 3 months payslips or 2 years tax returns
Last 3 months bank statements
Contract of sale (if available)
Existing loan statements if refinancing
Thorough, transparent review.
Our credit team reviews your full financial picture — serviceability, credit history, property valuation, and loan structure. We communicate progress at every stage with no black-box decisions.
Serviceability assessment against income
Credit history and repayment record check
Property valuation ordered by Privolux
LVR and LMI requirements calculated
Loan structure and term optimised for you
Approval in as little as 24 hours.
Once assessed, we issue conditional or unconditional approval. Our average turnaround is 24–48 hours. Your relationship manager calls you personally to walk through all conditions and next steps.
Conditional approval issued with clear conditions
Loan documents prepared and issued digitally
Relationship manager calls to explain all terms
Rate lock available on fixed rate products
Insurance and conveyancing referrals provided
Settlement day — congratulations.
On settlement day, Privolux coordinates directly with your conveyancer and the vendor's solicitor. Funds are transferred securely, and title is registered. Your relationship manager confirms when you're good to collect the keys.
Privolux coordinates all legal parties
Funds transferred directly on settlement date
Property title registered in your name
Welcome pack and online access activated
First repayment schedule provided
Why Choose Us

The Privolux
difference.

$0
Application Fees
No upfront costs to apply. We believe your home loan shouldn't start with a fee.
24hr
Approval Time
Our fastest approvals are issued same day. Average conditional approval within 24 hours of submission.
1:1
Relationship Manager
Every client is assigned a dedicated relationship manager who handles your loan from application to settlement.
5.69%
Market-Leading Rate
Our rates are independently benchmarked each month against all major lenders. We always stay competitive.
FAQ

Common
questions
answered.

How much can I borrow?
Borrowing capacity depends on your income, existing debts, living expenses, and deposit size. As a general guide, most lenders allow you to borrow 4–6 times your annual income. Use our calculator above for a quick estimate, then speak to a relationship manager for a full assessment.
What is LMI and when do I need it?
Lenders Mortgage Insurance (LMI) is required when your deposit is less than 20% of the property value (LVR above 80%). It protects the lender — not you — if you default. Privolux offers LMI waiver options for certain professions and first home buyers under eligible government schemes.
Fixed or variable — which is better?
Neither is universally better — it depends on your priorities. Fixed rates offer repayment certainty and protection from rate rises, but limit extra repayments. Variable rates offer flexibility, unlimited repayments, and full offset access, but repayments can increase. A split loan gives you both.
Can I make extra repayments?
Yes. Variable rate loans allow unlimited extra repayments at no cost. Fixed rate loans allow up to $10,000 per year in additional repayments without break fees. Paying extra reduces your principal faster and can save tens of thousands in interest over the life of the loan.
How long does approval take?
Conditional approval is typically issued within 24–48 hours of receiving a complete application and supporting documents. Unconditional (formal) approval follows property valuation, usually within 3–5 business days. Pre-approval is valid for 90 days.
What is an offset account?
An offset account is a transaction account linked to your home loan. The balance in this account is offset against your loan balance when calculating interest. For example, if your loan is $500,000 and you have $50,000 in your offset, you only pay interest on $450,000 — saving you significantly over time.
Get Started Today

Your home.
Your future.
Let's build it.

Speak to a Privolux home loan specialist today. Pre-approval in 24 hours, no fees, no pressure — just expert guidance for one of life's biggest decisions.