Last updated: 31 July 2026 · Pace Financial Services Pty Ltd trading as Homli · ABN 80 092 349 909
Welcome to homlifinance.com.au (the "Site"), operated by Pace Financial Services Pty Ltd trading as Homli (ABN 80 092 349 909) ("Homli", "we", "us"). By using this Site you agree to these Terms of Use. They work together with our Privacy Policy and our Guarantee & Fee Terms.
Everything on this Site is general information. It doesn't take into account your objectives, financial situation or needs, and it is not credit advice, financial advice, legal advice or tax advice. Before acting on anything you read here, consider whether it's appropriate for your circumstances — and speak with us or another qualified adviser. Any credit assistance we provide to you personally is governed by the documents we give you at that time, including our Credit Guide.
The Australian Government 5% Deposit Scheme (administered by Housing Australia as the Home Guarantee Scheme) is a government program. Its eligibility rules, property price caps, and availability are set by the government and participating lenders — not by Homli — and can change at any time. Information on this Site about the scheme is a plain-English summary current at the time of writing. Your eligibility is always determined by Housing Australia's criteria and a participating lender's assessment, and you can verify scheme details at firsthomebuyers.gov.au.
We specialise in the Australian 5% Deposit Scheme; however, our duty as credit representatives is to act in your best interests — not to recommend any particular product. The scheme is not suitable for everyone. If, after assessing your circumstances, we consider that the scheme is not in your best interests, or that another pathway would serve you better, we will tell you and recommend accordingly — including where that means we do not act for you.
Any examples on this Site — including deposit amounts, income guides, repayment estimates, borrowing power figures, savings on Lenders Mortgage Insurance, and stamp duty outcomes — are illustrative guides only. They rely on assumptions (such as interest rates, loan terms and typical lender criteria) that will differ from your actual situation. They are not quotes, offers of credit, or predictions of what any lender will approve for you. Your actual borrowing power, repayments and costs depend on a full assessment of your circumstances by a lender.
Statistics on this Site — including clients helped, approval rates, average time to pre-approval, and review ratings — reflect the combined track record and experience of our team across our financial services group over more than 20 years, measured across the periods and methods described where each figure appears. Reviews and case studies reflect the genuine experiences of real clients of our team, shared with permission where individuals are identified. Deposit figures shown in case studies represent the minimum 5% deposit required under the scheme for that purchase price — individual clients may have contributed more, and the figures do not include other purchasing costs such as legal fees or any applicable stamp duty. Past results are not a guarantee of your outcome — every application is assessed on its own merits by the lender.
References on this Site to our 30-day guarantee are a summary only. The guarantee's full definition — including when the 30 days starts, what we deliver, your responsibilities, and how refunds work — is set out in our Guarantee & Fee Terms, which prevail over any summary wording on the Site.
The Homli name, logo, and all content on this Site are owned by or licensed to Pace Financial Services Pty Ltd. You may view and share content for personal, non-commercial purposes; any other reproduction requires our written permission.
This Site links to third-party websites, including government websites. We're not responsible for their content, and linking doesn't imply endorsement in either direction.
To the maximum extent permitted by law, Homli is not liable for loss arising from reliance on general information on this Site, from Site interruptions or errors, or from third-party content. Nothing in these terms excludes rights you have under the Australian Consumer Law or other laws that cannot be excluded — including consumer guarantees that apply to services we provide you.
We may update these terms at any time by posting the updated version here. These terms are governed by the laws of Tasmania, Australia.
Pace Financial Services Pty Ltd trading as Homli · ABN 80 092 349 909 · 11 Clarence Street, Bellerive TAS 7018 · Credit Representative 545396 of Mortgage Australia Group Pty Ltd, Australian Credit Licence 384324 · hello@homlifinance.com.au