HomePay

Build now, pay later

HomePay loans result in no out-of pocket mortgage repayments for 12 months to help you build your home or investment without financial pressure!

All backed by market competitive rates and trusted lenders.

Build with confidence

HomePay homes can only be built by HomePay accredited builders who are independently reviewed to confirm the builder has a record of:

Delivering high-quality builds;
Industry leading build times;
Financial solvency

Key features

No out-of-pocketloan repayments for 12 months

Industry leading build times

Market competitive rates

Key features

No out-of-pocketloan repayments for 12 months

Industry leading build times

Market competitive rates

Quick links

Product sheet

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Rates

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Document Checklist

Download document

How does it work?

Pay your deposit

Once your deposit is paid and the loan settled by Granite, the HomePay process begins.

Pause out of pocket repayments

Out-of-pocket house and land repayments are paused for 12 months while your HomePay Accredited Builder constructs your dream home!

Enjoy financial freedom!

Focus on preparing for your new home without the stress of managing loan repayments! If your home is finished within 12 months, you’ll still have the remaining time without having to worry about repayments if you choose!

How can HomePay help?

Renting?

If you’re currently renting and would face difficulty managing both rent and loan repayments during construction, HomePay is your perfect solution.

Building your next home?

If you already live in your own home, HomePay means you don’t have to manage additional construction loan repayments on top of your existing mortgage while you build!

Investing?

If you’re building an investment property and want to target starting out-of pocket loan repayments only after the property begins earning rental income, HomePay has got you covered!

What’s the catch?

There isn’t one.

HomePay’s builder accreditation framework ensures we are working with trusted builders. This gives us the confidence to provide a loan with no out-of-pocket repayments for 12 months at market-competitive rates.