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Pacific Mortgage Group

Pacific Mortgage Group home loans

Pacific Mortgage Group was founded in 2000 and has rapidly grown to become one of Australia’s leading online lenders. Being an online-only lender means Pacific Mortgage Group doesn’t have as many overheads as other big banks and can pass the savings onto its customers through lower rates and fees. The company offer its customers a varied range of financial products and services including home loans, lines of credit, construction loans and a low doc loan option.

Mark Bristow

Personal Finance Editor

Content updated

17 Oct, 2022

Product data updated

18 Nov, 2024

Why choose Pacific Mortgage Group

Benefits

Loans have low interest rates.
Flexible loan options.
Loans can accommodate borrowers with smaller deposits.
Loans have low fees.

Drawbacks

Limited branch network and contact options.

Home Loans calculator

Use our home loan calculator to see how much you’d have to repay under different borrowing scenarios.

Your estimated mortgage repayments

Total interest

Total repayments

How much can I borrow?

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All calculations are estimates only; they are not guarantees, pre-qualifications or pre-approvals for borrowing. All results are based solely upon the data entered into the calculator.
It is assumed that data entered into the calculator, including interest rates, do not change for the lifetime of the loan - unless specified.
The Present Value provided by this calculator is displayed as the amount labelled 'Loan amount'.
At the end of the interest-only period, the rate may change. For this calculation, rate switches to the current rate.
The current rate is today’s average big 4 owner occupier advertised discounted variable rate (LVR 80%), unless you have inserted your own rate.
Interest is calculated by compounding on the same frequency as the repayment selected, i.e. weekly, fortnightly or monthly.

Months are assumed to be of equal length. However, given some months are longer than others, interest charged may vary depending upon the month.
One year is assumed to contain exactly 52 weeks or 26 fortnights. Thus each year has 364 days.
The calculator uses the unrounded repayment to derive the home loan summary line graph and repayment schedule. However, institutions may round repayments to the nearest cent.
Your final mortgage repayments or borrowing amount will depend on your lender’s eligibility criteria among other factors.
Calculator does not include the cost of fees or other extra charges.
Calculator does not account for changes to interest rates over time.
This calculator is for information purposes only. Any advice is general and has not taken into account your personal circumstances. Consider whether you need financial advice from a qualified adviser.
After the interest only term ends, your repayments will change based on the current* interest rate. This rate is subject to change. Read our full disclaimer.

Pacific Mortgage Group customer service

Pacific Mortgage Group is an online-only lender with no branch access or mobile banking representatives. Home loan customers can contact the Pacific Mortgage Group by calling the customer service hotline, by email or by filling out an online enquiry form.

✓ Customer service centre (phone)

✓ Email

How to Apply

Borrowers wanting to apply for a Pacific Mortgage Group home loan can either complete an online enquiry form or call the customer hotline for assistance. Before applying for a Pacific Mortgage Group home loan, consider what you can afford to borrow and what other costs you need to factor in. To apply for a Pacific Mortgage Group home loan, you will need to supply the following information:

Provide details of your income and employment.
Proof of identity.
Provide a list of assets, debts and liabilities.

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About our expert

Mark Bristow

Personal Finance Editor

Mark Bristow is RateCity's Home & Personal Finances Editor, and an experienced analyst, researcher, and producer. While primarily focused on Australian mortgage and home loan expertise, he has experience across energy, home and travel insurances. Mark has been a journalist and writer in the financial space for over ten years, previously researching and writing commercial real estate at CoreLogic. In the years since, Mark has worked for the Winning Group, Expedia, and has seen articles published at Lifehacker and Business Insider.

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^Words such as "top", "best", "cheapest" or "lowest" are not a recommendation or rating of products. This page compares a range of products from selected providers and not all products or providers are included in the comparison. There is no such thing as a 'one- size-fits-all' financial product. The best loan, credit card, superannuation account or bank account for you might not be the best choice for someone else. Before selecting any financial product you should read the fine print carefully, including the product disclosure statement, target market determination fact sheet or terms and conditions document and obtain professional financial advice on whether a product is right for you and your finances.

Pacific Mortgage Group home loans

Why choose Pacific Mortgage Group

Benefits

Drawbacks