Home Loans

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Home Buyers Blueprint

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Home Loans

CIRCLE has a complete range of home loans to suit your needs.

  • Owner occupied principal and interest loans
  • Owner occupied interest only loans (suitable for construction)
  • Investment principal and interest and interest only loans
  • Fixed interest loans from 1 – 5 years

CIRCLE’s fast and easy online application together with 24 hour pre approval puts the stress of borrowing behind you. Our personal loan consultant is with you all the way from application stage right through to loan settlement. No need to deal with call centres or multiple people.

Fast approval, low rate home loans

Home loans from CIRCLE Alliance Bank

Are you in the market for a fast approval low rate home loan? You aren’t alone. At CIRCLE Alliance Bank, we offer a range of home loan to suit your individual circumstances.

Whether you are a first homebuyer, looking to refinance your current home loan, or purchasing an investment property, CIRCLE Alliance Bank has a suitable solution for you.

How to get started – Free advisory service

Whether you are looking for your first home loan or you have a current home loan and need to get straightforward advice on what to do then call our home loan advisory service on 1300 553 582 for a free no obligation chat. We can answer your questions and provide further information before you put in your loan application.

Not yet ready to buy but still need advice? You can still call our home loan advisory service on 1300 553 582 or book an appointment online and we will be happy to help you.

Book a home loan advisory service appointment online.

Fast and easy online application

It’s easy to apply for a CIRCLE Alliance Bank home loan. 

All you need to do is click here and follow the prompts.

Once we have received your application we will call you back within 24 hours

Home loan tools

If you want to find out how much you loan repayments will be or other information we have a range of calculators for you to use. You can calculate;

and more

Why choose CIRCLE for personal home loans?

First of all, we aren’t like the big banks. Not one bit. We strive to find home loan solutions that suit you, not our bottom line. Our profits go back to our customers and communities.

  • CIRCLE offer fast and easy loan approvals
  • No monthly or annual loan fees
  • Loan redraw and 100% offset facility
  • You get service from a real person not a machine or call centre
  • Your home loan loan assistant will help you through the whole loan process
  • CIRCLE also offer full banking services as an alternative to the majors
  • CIRCLE has been assisting customers with their banking and finance for nearly 60 years

A note about comparison rates

While an advertised rate might seem like you’re getting a good deal, in truth, you should compare the comparison rate to make sure you receive the best deal. A comparison rate compares the true cost of home loans. It includes the lender’s fees and charges.

When comparing loans, ensure that you consider all fees and charges that come both at the start and throughout the life of the loan. If you have any questions about comparison rates, get in touch with the team at CIRCLE Alliance Bank on 1300 553 582.

Home loans and Do-Good Banking

All CIRCLE Alliance Bank home loans are part of the Do Good Banking program and attract a community reward based on your loan balance. This means your choice of bank has a direct, positive impact on your community.

We want to impact social change in our local communities and the more you support CIRCLE, the more support we can give our local communities.

Home Loan Calculator & Fact Sheet

Terms and conditions, fees and charges

All information including interest rate is subject to change without notice. Full details available on application. Lending criteria apply.

* Important information about comparison rate: The comparison rate displayed is calculated for a loan of $150,000 over 25 years. If the comparison rate relates to a loan with a fixed interest rate, the comparison rate has been calculated on the basis that our current applicable variable rate will apply at the end of the fixed rate period. WARNING: The comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. 

For Fixed Rate Home Loans the comparison rate assumes a variable rate with Loan to Value Ratio (LVR) between 60.01%-80% will apply at the end of the fixed rate period.

This offer applies to a 4 year fixed rate loan for owner occupied principal and interest loans.