For many Australians, buying a home is one of life’s biggest milestones—but it can also feel like one of the biggest hurdles. Rising house prices, stricter lending rules, and the challenge of saving enough can make the journey overwhelming. That’s why Homepay, in partnership with our trusted building partner North Homes, is designed to provide a smarter, more achievable pathway to home ownership.

Why Homepay?

Homepay is designed to make home ownership more accessible by bridging the gap between where you are now and the home you want to build. By rethinking the traditional lending model, Homepay helps buyers maximise their borrowing potential, giving families a clearer, more practical pathway to securing their dream home.

How Homepay Works

Homepay is designed to make the process simple and transparent:

1. Assessment of Your Situation
   A lending specialist reviews your income, dependents, and financial position—not just a rigid set of bank rules.
2. Tailored Borrowing Capacity
   Instead of limiting you to conservative calculators, Homepay loans provide a borrowing capacity that reflects your actual ability to service a loan.
3. Match with a North Homes Package
   With your tailored borrowing power in hand, you can explore a range of North Homes’ house and land packages that fit comfortably within your means.
4. Guided Every Step of the Way
   From finance approval through to construction and settlement, Homepay and North Homes work together to ensure your journey is smooth, supportive, and stress-free.
   

A Real-World Example

Consider a couple with a combined household income of $150,000 per year, two dependents, no existing debts, and standard living expenses.

• With a major bank: Their borrowing capacity may be limited, leaving them struggling to afford a home that suits their growing family.
• With Homepay: The same family could unlock up to 30% more borrowing capacity depending on their specific situation, opening the door to the kind of home they truly need.*

This difference can mean the ability to secure a bigger home, live in a preferred location, or enjoy features that improve day-to-day living—without overextending financially.

Benefits of Choosing Homepay

• Greater Borrowing Power – More flexibility than traditional lenders.*
• Tailored Solutions – Finance options that reflect your real-life circumstances with paused mortgage repayments for up to 12 months while you build.
• Confidence in Planning Ahead – Clarity on what you can afford today and into the future.
• Seamless Partnership – Finance solutions from Homepay paired with quality homes from North Homes.

A Smarter Way Forward

The combination of North Homes’ quality-built residences and Homepay’s innovative lending solutions means you don’t need to compromise on your dream. Together, they’re opening doors for Australians who want more than just a house—they want a home designed for the way they live.
If you’ve been putting off building your dream home because the numbers didn’t quite add up, Homepay could be the solution that makes it possible.

Take the First Step Toward Your New Home

Homepay is available on select blocks of land at Landen estates when you build your home with North Homes. Whether you’re buying your first home or upgrading for your family, this partnership makes the process simpler, smarter, and more achievable.

Get started today: Contact us on 1300 526 336 or email hello@landen.com.au to discover how Homepay can help unlock your borrowing power and bring your dream home within reach.

Disclaimer: *Based on a typical borrower scenario as at June 2025 by Jasmine Fergus (Credit Representative Number 397690) of Australian Credit License 384704. Assumes $700k package over 30 years, couple with combined income of $150,000 p.a, 2 dependents, no existing debts, and standard living expenses. Compared against the lending criteria of major Australian banks using public borrowing calculators and internal models that may change without notice. Always confirm current borrowing capacity with a licensed credit adviser. Figures are for illustrative purposes only and do not take into account your personal objectives, financial situation or needs and does not constitute legal or financial advice. Actual borrowing capacity will vary based on your financial position, credit history, and lender policies. Homepay (Aus) Pty Ltd ABN 51 655 094 876, North Homes ABN 73 649 691 476, Landen Group ABN 79 642 578 498 and Jasmine Fergus (CRN 397690) recommend seeking independent professional advice before making any financial decisions. Homepay loans are offered by Origin MMS, a division of Columbus Capital Pty Ltd (ABN 51 119 531 252, AFSL and ACL 337303). Homepay is not a related entity to Columbus Capital. Full details available from Jasmine Fergus (CRN 397690).