close-icon
Loan amount:
$

Buy your dream home

Get pre-approved for a home loan and search for your first home or next home with confidence.

awards awards awards awards
Award-winning loans

Variable Home Loan

5.29
%
p.a
Rates from***
5.33
%
p.a
Comparison rate*
  • Borrow up to 90% LVR at a discounted rate***
  • Offset sub-account available for +0.10%^
  • No transaction fees for redraws
  • No monthly or ongoing fees
Our Google Rating
4.5
561 reviews

Why Aussies Choose Us

Apply anytime, and from anywhere. image

Apply anytime, and from anywhere.

Fast tracked pre-approval in minutes. image

Fast tracked pre-approval in minutes.

Smarter lending to get you moving sooner. image

Smarter lending to get you moving sooner.

Online convenience, local support. image

Online convenience, local support.

Our home loans

Loan reasons
Loan type
Home Loan Interest Rate Comparison Rate Monthly Repayment Product Features Details

Variable Home Loan

Borrow up to 90% LVR at a discounted rate***
5.29% p.a. 5.33% p.a.  $2,773
  • Offset sub-account available for only +0.10%^
  • No transaction fees for redraws
  • No monthly or ongoing fees
Do I Qualify?

Solar Home Loan

Borrow up to 90% LVR at a discounted rate for 5 years~~~
5.24% p.a. 5.70% p.a.  $2,758
  • Offset sub-account available for only +0.10%^
  • No transaction fees for redraws
  • No monthly or ongoing fees
Do I Qualify?

3 Year Fixed (Special)

Borrow up to 90% LVR
5.34% p.a. 5.49% p.a.  $2,789
  • Split with variable rate
  • 90 days rate lock option*^
  • No monthly or ongoing fees
Do I Qualify?
2024 WeMoney - Best Value for Refinance 2023 WeMoney - Best for Value (Variable) 2024 Mozo - Expert's Choice for Best Green Home Loan Gold Award - Best Green Home Loan 2022 WeMoney - Outstanding Customer Service
Our home loan products are recognised & awarded by the Australian financial industry

Borrowing Power Calculator

Tell us more about you

Number of borrowers
Loan purpose
Loan type
Relationship status
Number of dependants

Tell us more about your income


Tell us more about your monthly expenses

Get ahead with the right home loan

Get a pre-approval decision quickly.

Slide 1

Nicole

Verified review

Nicole

Verified review

Meet Nicole, a valued customer of ours who came to us when she wanted to purchase her own home after years of rentvesting.

  • After spending years rentvesting and owning an investment property, Nicole decided it was time to purchase a place to call her own. She wanted to transition from renting to homeownership and was looking for a competitive and convenient way to finance her new townhouse.

  • Received excellent customer support, with a dedicated contact guiding her through the process.

Slide 2

Leon

Verified review

Leon

Verified review

Meet Leon, a fantastic customer of ours who came to us when he wanted to purchase a new home after a period of renting.

  • Leon had previously owned property, but after a separation, he moved into rental accommodation. Once the separation was finalised, he was ready to get back into the property market and purchase a new home for himself.

  • With experience in buying and selling real estate, Leon knew what to expect and understood the importance of finding a competitive loan rate. He had previously used loans.com.au for another home loan, and based on that positive experience, he came back when it was time to finance his new home.

Slide 3

Karen

Verified review

Karen

Verified review

Meet Karen, one of our incredible customers, who bought her home after first renting it for many years.

  • As a mother of 4, I wanted both a family home and a retirement investment. My husband and I reviewed our finances and realised we were better off as home owners, not renters.

  • We got the loan through the scheme. I knew the rate was at the higher end but we progressed believing we could potentially refinance into a better deal, which we eventually did through loans.com.au.

Our home loan application process

1
Apply Online

Apply Online

Complete your application through our online platform.

Apply Online
2
Upload & Track

Upload & Track

Submit your documents and monitor your application in real time via our onTrack portal.

3
Speak to our Specialist

Speak to our Specialist

Our lending specialists will make an appointment with you to guide you through the loan process, including getting a pre-approval.

4
Approval & Signing

Approval & Signing

Review and sign your mortgage documents and loan agreement via onTrack.

5
Settlement

Settlement

Your loan settles, which means your funds will be ready.

6
Manage Your Loan

Manage Your Loan

You'll receive your login details to manage your repayments and account details via our Smart Money app.

Common home loan questions

Selling your old house before buying a new one gives you the luxury of time. However, selling first does mean you’ll need to quickly find accommodation once your home has sold.

Buying first is a great option for those who have little ones or elderly loved ones, as you will have already found a place to move your family. However, you must be financially stable enough to cover the costs of loan repayments for both properties for however long it takes to sell your old property.

Unlike many other lenders, we charge no monthly, annual or ongoing fees. The only fees you will pay on your home loan are a one-off $300 settlement fee plus a security assessment fee, which for a standard property in a metropolitan area in a major city starts at $230 for properties valued up to $1 million.

You can use our equity calculator to calculate your usable equity and find out how you can use it to help finance the purchase of your next home. Calculate your equity here.

Simply fill out your application online by entering some of your details here.

Alternatively, chat to one of our friendly lending specialists on 1300 471 681 and they can complete your application for you.

After your application is complete, use our app onTrack on your desktop or device to add your documents such as payslips, and details of your existing loan. In the onTrack app, you can track the progress of your application. For more information for documents required for a home purchase or build:
What documents do I need to buy or build a home in Australia?

We can provide approval for applicants in as little as 2-3 days, pending the customer's individual circumstances and all correct documentation has been provided. It's important to note that this is not a 'one size fits all' number, and the approval time will depend on each individual applicant's circumstances.

We'd always advise our customers to have the right documentation ready at application stage, so you can move forward with your application as quickly as possible. For more information for documents required for refinancing:
What documents do I need to refinance my home loan?

And for more information about documents required for a purchase or build:
What documents do I need to buy or build a home in Australia?

A property report is helpful if you're looking to purchase a new property, know the address and want to determine if it’s the right property for you, or potentially in a high growth area.

Our property reports provide information such as Estimated property value, Property mapping, Properties sold in the area, Market comparison, Median sale prices in the area and Suburb insights.

As an online lender, we operate without the overheads of a physical branch network or broker commissions. Our digital processes and innovative technology help us keep costs down. This allows us to pass those savings directly on to you through competitive home and car loan rates.

An offset sub-account is linked to your home loan and helps reduce the interest you pay. Instead of earning interest like a regular savings account, the balance in your offset reduces the portion of your loan that accrues interest. This can help you pay off your loan faster and save on interest costs.

Key things to know:

  • It's a sub-account of your loan, not a separate deposit account.
  • Funds in the offset sub-account are not covered by the government deposit guarantee.
  • The offset cannot exceed your home loan balance.

If you have any questions, our friendly team is here to help!

Get ahead with the right home loan

Get a pre-approval decision quickly.

Welcome to loans.com.au _

Just in case we lose you, may I ask for your contact details....



Loading Form