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What is Homepay?

Pause Your Mortgage Repayments on Your
Home + Land For Up to 12 Months!

Enjoy up to 12 months of paused repayments while your new home is being built, easing the pressure of rent or juggling multiple loans. This smart solution gives you greater financial freedom and flexibility to plan your future with confidence and enjoy a stress-free building journey!

Frequently Asked Questions img
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Why use Homepay?

Together with Homepay, we are making the dream of building your forever home easier and more accessible. Benefits include:

  • Paused mortgage repayments for 12 months
  • Competitive lending rates and trusted lenders
  • Up to 20% more borrowing capacity*
  • Avoid paying rent & mortgage at the same time
  • Use your savings for your future home

Fowler Homes is an accredited Homepay partner, meeting their strict standards for quality, build times and financial stability, providing our clients with added reassurance from the beginning of their building journey with us.

*Based on typical borrower scenario by Australia FInance Hub CRN 496108, authorised under ACL 389328. Individual results will vary. See full disclaimer.

Who is it for?

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FIRST HOME BUYERS

Borrow more, stress less!
  • Increase your borrowing capacity by up to 20% to help you build the property that’s best for you, whether that’s a larger home or even building in a better location.
  • Reduces burden of paying rent and managing multiple loans.
  • Paused mortgage repayments for 12 months so you build without the financial pressure of a mortgage!
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SECOND HOME BUYERS/UPSIZERS

Upgrade your home without financial pressure!
  • Avoid paying two mortgages on your existing home and new home.
  • Less financial strain or pressure to sell your current home and/or pay rent.
  • Added borrowing capacity to build the home you’ve always dreamed about.
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INVESTORS

A smarter way to invest!
  • Maximise your borrowing power for a better return on your investment.
  • Paused mortgage repayments for 12 months so you can find tenants before your mortgage repayments begin.
  • Less financial strain or pressure.

How does img work?

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    1 / Lock In Your Dream Home + Submit Your Loan Application

    Our Building & Design Consultant will confirm your home is eligible for Homepay and assist you with the application process through our Homepay accredited mortgage broker.

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    2 / Pay Your Tender Fee

    Once your Tender Fee is paid, your loan will be organised by our trusted Homepay accredited mortgage broker.

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    3 / Repayments Are Paused + Financial Freedom

    Normally when building you have to make mortgage repayments while your home is being built. But with Homepay both your land and build repayments are paused for 12 months while we build your dream home. Even if you receive the keys before 12 months, you will still receive the full 12-month pause. While repayments are paused, interest does gradually build in the background but you won’t need to pay anything during this time so that you can have financial freedom during your build!

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    4 / Start Your Repayments

    After the 12 months, your mortgage repayments will begin.

Frequently
Asked
Questions

At loan settlement (e.g. land settlement).

Origin MMS – the oldest non-bank lender in Australia. Owned by Colombus Capital – AFSL & ACL: 337303. Homepay is not a related entity to Columbus Capital Pty Ltd.

Homepay’s lenders will offer loans with deposits from as low as 5% but this will be dependent on your individual financial situation and whether you plan to live in the property or if it is an investment. You can also use other incentives to reduce your deposit such as First Home Owner Grants or gifts from family.

  • Owner Occupier: (Build Now, Pay Later) 8% Deposit
  • Investor: (Build Now, Pay Later) 10%
  • Owner Occupier: (With interest only repayments during construction) 5% Deposit

Just like a standard home loan. E.g. Credit score above 600, self employed or PAYG etc. Our Homepay accredited mortgage broker will be able to provide more details.

Due to Homepay loans having lower servicing buffers than loans from the major lenders. This is why it’s important to meet with a qualified Mortgage Broker who can assess you individual situtation and provide the best options for you!

No. Before they partner with a builder, Homepay conducts an audit to ensure the builder meets their rigorous standards. This includes high quality builds, meeting industry build times and assured financial stability.

No. As of 2025 limited other products promote a build now, pay later concept. These products are often limited to a handful of builds in pre-defined developments and are limited to a specific builder who has not been through the Homepay Accreditation Process. Loan interest rates may also not be competitive and often the delay in repayments only cover the construction cost, but what about the land! Homepay delays repayments for both the construction and land loan which makes a big difference in what you need to fund out of your pocket.

With a normal construction loan, you’re required to start making repayments from the day you settle on your land and continue paying throughout the entire construction period, no matter how long it takes! However, with a Homepay loan, you enjoy 12 months of paused repayments on both your home and land loan from the moment your loan settles. That means no out-of-pocket loan repayments during your first year, giving you breathing room while your home is being built! While repayments are paused, interest does gradually build in the background, but you won’t need to pay anything during this time — something no other lender offers. After 12 months, your regular repayments will begin, and the paused interest is repaid gradually over time, just like a standard loan.

With Homepay, You Can Finance with Ease.
With Fowler Homes, You Can Build with Confidence.

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Introducing Our Homepay Accredited Mortgage Brokers

More than 100 years combined industry experience. Your trusted financial partners for life.

info@australianfinancehub.com.au

www.australianfinancehub.com.au

@australianfinancehub

WETHERILL PARK OFFICE:

Suite 1D, 1345 The Horsley Drive,
Wetherill Park NSW 2164

CONCORD OFFICE:

1/47 Majors Bay Road,
Concord NSW 2137
(02) 8104 3002

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Get in touch!

LEAVE YOUR DETAILS IN THE FORM AND WE WILL BE IN TOUCH WITH YOU SHORTLY

    *Available with Fowler Homes Home & Land Packages and Greenfield sites only. *Comparison based on borrowing capacity estimates conducted on 14 June 2025 by Australian Finance Hub Pty Ltd ACN 616979689 Credit Representative Number 496108, authorised under Australian Credit Licence Number 389328. Assumes a couple with combined income of $250,000 p.a., 2 dependants, no existing debts, and standard living expenses. Compared against the lending criteria of major Australian banks using public borrowing calculators and internal models. Actual borrowing capacity will vary based on your financial situation, credit history, and lender policies. Figures are for illustrative purposes only and do not take into account your personal objectives, financial situations, or needs. This content is not legal or financial advice. Fowler Homes (ABN 89 066 046 366), Homepay (Aus) pty Ltd (ABN 51 655 094 876) and Australian Finance Hub (CAN 616979689) recommend seeking independent professional advice before making any financial decisions. Homepay loans are offered by Origin MMS, a division of Colombus Capital Pty Ltd (ABN 51 119 531 252, AFSL and ACL 337303). Full details available from Australian Finance Hub.
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