About HomePay

HomePay: More than just another home loan solution.

HomePay was developed by individuals passionate about making a difference in the journey of building your dream home.

Unlike other options we don’t want equity in your home, and we won’t charge you a fee to access money for a deposit. In fact, we won’t charge you a fee at all.

At HomePay we just want to connect you with the best builders in your region and get you into your new home sooner.

What is HomePay?

Who are we?

HomePay isn't just about finance; it's a family-owned company, founded by brothers Sam and Josh Morse in 2021 with over 25 year’s combined experience in construction and making heavy industries run more efficiently.

Mission

Our mission is to provide confidence to those looking to build their dream home, whether it be a first home buyer currently renting or an investor seeking to improve their future.

Building Excellence

Where it began:

At HomePay it's not just about finance, it's about the outcome.

HomePay began in 2021 when HomePay's founders recognised concerning trends in the industry: prospective home owners grappling with financial obstacles as they juggled renting and mortgage payments during construction, all while contending with the unreliability of numerous builders being plagued by delays and insolvencies.

Determined to make a difference, HomePay’s founders collaborated to develop a stringent accreditation framework to enable clients to have confidence in the builder they were partnering with. This framework meticulously evaluates every builder HomePay partners with, ensuring a track record of efficient build times, robust internal processes, and financial stability backed by a thorough examination of years' of financial data.

By forging strategic alliances with select financial lenders, HomePay has pioneered a revolutionary "build now, pay later" home loan product, seamlessly integrated with our accreditation standards.

Unlike mass-market builders that prioritise selling dreams over delivering on promises, HomePay is committed to ensuring that every homeowner's journey culminates in the realisation of their vision.

Welcome to HomePay — where it’s not just about finance, it’s about the outcome.

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What are the benefits?

It’s seamless and efficient – as you’re dealing with a local HomePay accredited builder who have a proven record of quality and on time performance.

Our Refined Approach Ensures:

Competitive interest rates.

Fixed & variable rates are available.

Loan-to-Value ratios up to 95% (plus LMI).

HomePay may help get you into your dream home earlier than you had expected.