Buy your dream home
Get pre-approved for a home loan and search for your first home or next home with confidence.
Variable Home Loan
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Borrow up to 90% LVR at a discounted rate***
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Offset sub-account available for +0.10%^
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No transaction fees for redraws
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No monthly or ongoing fees

Getting ready to buy a home?
Get pre-approved today to understand your borrowing power and search for your next home with clarity.
Chat through the process with our Australian-based home lending specialists who’ll provide you with personal support when you need it.
You’ll benefit from our transparent pricing, unlimited redraws with same-day access, the flexibility of an offset sub-account which can potentially speed up your repayments, and the ability to make extra repayments without any fees.
Why Aussies Choose Us

Apply anytime, and from anywhere.

Fast tracked pre-approval in minutes.

Smarter lending to get you moving sooner.

Online convenience, local support.
Our home loans
Home Loan | Interest Rate | Comparison Rate | Monthly Repayment | Product Features | Details |
---|---|---|---|---|---|
Variable Home LoanBorrow up to 90% LVR at a discounted rate*** |
5.29% p.a. | 5.33% p.a. | $2,773 |
|
Do I Qualify? |
Solar Home LoanBorrow up to 90% LVR at a discounted rate for 5 years~~~ |
5.24% p.a. | 5.70% p.a. | $2,758 |
|
Do I Qualify? |
3 Year Fixed (Special)Borrow up to 90% LVR |
5.34% p.a. | 5.49% p.a. | $2,789 |
|
Do I Qualify? |

Your property report
Here’s what you’ll get in the loans.com.au free property report.
The report contains:
A list of the recent sales of properties similar to the one you are looking at.
A list of properties currently on the market, similar to the one you are looking at.
An estimation of the value of the property.
As seen on...
Real PeopleReal StoriesReal Wins

Nicole
Nicole
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.

Leon
Leon
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.

Karen
Karen
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.
Meet the team behind Australia's Home of Loans
We have been making it easier for Aussies to access great value home and car loans with our award-winning rates, fast approval and seamless digital experience.
Our home loan application process
Apply Online
Complete your application through our online platform.
Upload & Track
Submit your documents and monitor your application in real time via our onTrack portal.
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.
Approval & Signing
Review and sign your mortgage documents and loan agreement via onTrack.
Settlement
Your loan settles, which means your funds will be ready.
Manage Your Loan
You'll receive your login details to manage your repayments and account details via our Smart Money app.
onTrack
Fast track your loan with onTrack
- Gain 24/7 control of your application
- Get alerts straight to your phone
- Easy to download mobile app
Access at your fingertip
You now have access and complete clarity of your loan application on-the-go with onTrack mobile.
The easy to use mobile app will keep you up-to-date with the progress of your loan anytime, anywhere with alerts straight to your phone. It's now even easier to get your loan approved and settled fast, no matter where you are.
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!
Home Buying Articles
Buying a townhouse: pros and cons
Townhouses can be an affordable option for buyers who want the benefits of a house but don't want to live in an apartment.
7 Steps to buying your next home
The time has finally come. After scraping together all of your savings to buy your first home, you’re now in a position to sell up and get the next one.
What you need to consider when buying a new home
Here are the things you should consider before buying a new home.
What Aussie First Home Buyers Need to Know
Buying a House: How far can $1M go in each state in 2025?
Home Loan Terminology
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