Modern Home Loans,
Powered by the Cloud
Fast, Secure, and 100% Online
The modern way to get a home loan — built for how Australians live today.
Money Cloud gives you access to leading home loan products from trusted Australian lenders through a fully digital, easy-to-use platform. You’re in control of the entire process, and when you need help, a lending specialist is there to guide you.
This is home finance without the stress, delays, or sales pressure.
THE 5-STEP JOURNEY
How It Works
Getting finance shouldn’t feel complicated. With Money Cloud, you can manage most of the process yourself — with expert support at the exact moment you need it.
Create your secure
Money Cloud account
Set up your profile in minutes. This unlocks your personal dashboard, where you can compare loans, upload documents and track your progress.
Tell us about your goals
Are you buying, refinancing, or investing? Update your details and share information about your income, assets and existing loans. The platform uses this to match you with suitable loan options.
Upload documents &
connect your bank
Easily upload ID, payslips and supporting documents. You can also securely connect your bank accounts for instant verification — eliminating days of back-and-forth paperwork.
Create and submit your application
Review your loan choices, select the one you want to proceed with and submit your application directly through the dashboard. Everything is stored securely.
A lending specialist supports the final steps
After you submit, a qualified lending specialist will reach out to: • Validate your documents • Confirm your details • Answer any questions • Guide you through next steps toward approval You do most of the process online — and we’re here to help when it matters.
WHY AUSTRALIANS CHOOSE MONEY CLOUD
Smarter, Faster, Better.
40+ Lenders, One Platform
Compare a wide range of home loan products from reputable Australian lenders in one place.
100% Online Experience
Apply when it suits you. Morning coffee. Train ride. Late-night scrolling. You’re in control.
Transparent From Start to Finish
No surprises, no jargon, no broker bias. You choose the loan that's right for you.
Smart, Secure Technology
Bank-grade encryption keeps your information safe at all times.
Expert Support On-Demand
Go fully digital — or ask for help when you need clarity. You're never left guessing.
A Look at Current Rates
Real examples from lenders available on the Money Cloud platform:
UniBank
5.09%
p.a. fixed (2 yrs)
People’s Choice
5.14%
p.a. variable
Heritage Bank
5.14%
p.a. variable
Newcastle Permanent
5.24%
p.a. fixed
Rates vary and depend on your individual situation. Create an account to view tailored results. Rates accurate as of the 8/12/2025*
Crunch the Numbers Before You Commit
Estimate your repayments, borrowing power, equity position and more — instantly.
No credit check. No obligation.
Perfect for...
🏡
First Home Buyers
Learn the process, get guidance and compare options with confidence.
🔁
Homeowners Refinancing
Check if your current loan is costing you more than it should — in minutes.
📈
Property Investors
Compare interest-only and investment loan options built around flexibility and returns.
🧠
Busy Professionals
No appointments. No chasing paperwork. Manage your application digitally.
Built to Make Your Loan Experience Simpler
Money Cloud exists because the traditional lending process is slow, confusing and often overwhelming.
We’ve created a digital-first platform that gives you clarity, speed and control — without removing the HUMAN part of home finance.
A smarter, clearer way to borrow.
Have questions or need help?
We’re here when you need us.
Ready to Begin?
Start your journey with Money Cloud today — compare options, apply online and take control of your home loan.
Modern home loans, powered by the cloud. Fast, secure, and 100% online.
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Copyright © 2025 HoLo T/A MoneyCloud Loans. All Rights Reserved. ABN 12604562781. Credit Representative 493411 is authorised under Australian Credit Licence 389328. Your full financial needs and requirements need to be assessed prior to any offer or acceptance of a loan product.