LCA - FAQ - What documents will I need to provide to apply?

There are a few documents you'll need to provide in your home loan application. Some of these include: Two (2) most recent consecutive payslips for each applicant Three (3) months bank statements showing regular salary credits, including most recent salary credits with the name of the employer evident Evidence of Salary Sacrifice or Packaging (if applicable) Evidence of Company Vehicle/Car Allowance (if applicable) Six (6) consecutive months of home loan statements showing consistent repayment history (if applicable)

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Rates from***

6.04

% p.a

Comp rate*

6.08

% p.a

Variable Home Loan

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Home Loan	Interest Rate	Comparison Rate	Monthly Repayment	Product Features	Details
Variable Home Loan Owner Occupied • Principal & Interest • Up to 90% LVR Most Popular	6.04% p.a.	6.08% p.a.	$3,011	Discounted home loan rate^* 10% deposit minimum Offset sub-account available for +0.10%^{^} No monthly or ongoing fees Fee free redraw on any additional repayments Pay your bills** via BPAY	More details Do I Qualify?
Green Home Loan Owner Occupied • Principal & Interest • Up to 90% LVR	5.99% p.a.	6.44% p.a.	$2,995	Discounted 5yr green home loan rate^~~ 10% deposit minimum Offset sub-account available for +0.10%^{^} No monthly or ongoing fees Fee free redraw on any additional repayments Pay your bills via BPAY	More details Do I Qualify?
3 Year Fixed (Special) Owner Occupied • Principal & Interest • Up to 90% LVR	5.69% p.a.	6.13% p.a.	$2,899	3 year fixed term 10% deposit minimum 90 day rate lock option available^{^} No monthly or ongoing fees Up to $10,000* extra repayment/year Split with variable rate	More details Do I Qualify?

2023 WeMoney - Best for Value (Variable)

2024 Mozo - Expert's Choice for Best Green Home Loan

2022 WeMoney - Outstanding Customer Service

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10 Dec 2024

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“Charlie from loans.com.au was incredibly helpful throughout the process of refinancing my home loan. In fact, I cannot fault any of the team members who I engaged with. Every interaction was supportive, explicit and smooth. The process was faster than I expected, and I am really happy with their competitive rates. I will be recommending this company to others!!„

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09 Dec 2024

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“Jasmin was very professional and easy to deal with. She gave us confidence from day 1 and was very helpful and met everything that we could have hoped for in a broker. I would recommend Loans.com.au to anyone who is wanting finance. Everything was fast and easy. love their work„

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03 Dec 2024

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02 Dec 2024

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“"I had a great experience working with Loans.com.au. Stuart was pleasant, friendly, and easy to deal with from start to finish. His clear communication made everything simple to understand, and he took the time to explain each step and the process involved. At loans.com.au calls were always answered quickly and they have an excellent call back service. Stuart, Phil, and the Support Team were all highly knowledgeable, and I felt confident throughout the whole process. Highly recommend!"„

Daniel O.

26 Nov 2024

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“Just refinanced our home loan with these guys - simple, straightforward and guided every step of the way. You have a dedicated point of contact throughout, which make things easy. Thanks to Jasime for taking care of us and getting us the best deal!„

A R.

25 Nov 2024

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“Super grateful to Emira and the team. Great, timely feedback mechanisms with clear guidance on processes. They went all out to support us throughout the application - much appreciated!„

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11 Nov 2024

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28 Oct 2024

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“I am very happy with the simple products that loans.com.au. Sharon was the lending manager who assisted me through the application. Sharon was very helpful to solve my problems and get the loan approved.„

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15 Oct 2024

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Our home loan application process

Apply online

Simply fill out your application online by entering some of your details, or chat to one of our friendly lending specialists over the phone and they can complete your application for you.

Goodbye paperwork

After your application is complete, use our system we call onTrack on your desktop or device to add your documentation such as payslips and bank statements, and track the progress of your application.

Settle

Your loan will settle and you'll start saving with your new low rate, and get your keys to your new dream home!

Apply Online

How it works

Frequently Asked Question

How long does it take to get to settlement?

The settlement process is different depending on each individual applicant's personal situation, but we generally say it can take anywhere between 4 to 6 weeks. To get to settlement, you'll need to apply, speak to one of our lending specialists, upload your documentation, get the property valued, have your loan approved and the documentation delivered and signed, then you'll settle.

What documents will I need to provide to apply?

There are a few documents you'll need to provide in your home loan application. Some of these include:

Two (2) most recent consecutive payslips for each applicant
Three (3) months bank statements showing regular salary credits, including most recent salary credits with the name of the employer evident
Evidence of Salary Sacrifice or Packaging (if applicable)
Evidence of Company Vehicle/Car Allowance (if applicable)
Six (6) consecutive months of home loan statements showing consistent repayment history (if applicable)

What are the settlement fees?

We charge a $300 settlement fee plus a security assessment fee. The security assessment fee for a standard property in a metropolitan area in a major city starts at $230 for properties valued up to $1 million. The security assessment fee is not refundable and is payable when the security assessment is ordered.

Why do you offer such low rates? What’s the catch?

You can get your dream home at a great low rate because we don't have to pay for branches or broker commissions and have innovative technology processes, which means we pass our savings directly on to you.

How do I manage my payments after settlement?

After settlement, you'll nominate on your direct debit form when you start repayments. Our Customer Care team will also confirm your repayment dates when calling you at loan settlement. Additional repayments into a fixed home loan are allowed and are up to $10,000 per year.

Do you have a 'refer a friend' program?

We sure do! Introduce someone to loans.com.au and we'll reward you when they settle their loan with us!

For home loans, we'll give you a huge $1000 bonus when they settle their home loan with us and your friend will also receive $1000.

For car loans, we'll give you a huge $250 bonus when they settle their car loan with us and your friend will also receive $150 off their settlement fee.

How do I apply?

To apply for any of our loans, visit: https://www.loans.com.au/apply or call 1300 528 731 and one of our lending specialists can help, or even complete the application for you.

Do you offer an offset sub-account?

Yes, we do offer the option to add an offset sub-account to our variable products for an additional 0.10%^. For more information on this, please call one of our lending specialists on 1300 528 731.

How much deposit do I need to have?

loans.com.au requires a minimum deposit of 10% of the purchase price of the property, or the current value of the property if you are refinancing.To avoid paying Lenders Mortgage Insurance (LMI), borrowers need a 20% deposit in most cases.

Meet the team who’ll start saving you thousands

We have a friendly team of Australian-based lending experts here to help you from application to settlement, so you can get a better loan and start savings thousands.

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As a loans.com.au customer, if you refer a new customer to us we’ll reward you.

$1,000 New Home Loan Customer

$250 New Car Loan Customer

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You'll be taken to the pre-qualify page where we get you into seeing if you’re eligible for a loan.

Do I Qualify?

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"We found that loans.com.au still had a very competitive rate and we were happy with the service"