Our Home Loan Interest Rates

Lower rates. Better home loans.

No matter whether you’re buying an investment property, refinancing to save thousands or building your dream house, we’re here to help. We’ve got some of the lowest mortgage rates in Australia and an experienced locally-based team to help you every step of the way.

Owner occupier rates

We have low rate home loans to help make buying your first or next home affordable, and speedy processing times so you can get the keys in no time. Or, if you're refinancing, we have a simple refinancing process so you can start saving on your home loan repayments, sooner.

 

Principal & interest

Interest Only

 

Product Name

Interest rate p.a.

Comparison rate p.a.*

Interest rate p.a.

Comparison rate p.a.*

Features

Smart Booster Home Loan
Discount Variable - 2 year MOST POPULAR

1.85%

2.21%

-

-

Looking for a home loan under 2%? Look no further. The Smart Booster will help you boost your equity and own your own home sooner.

  • Option to add an offset sub-account for +0.10%^
  • No monthly or ongoing fees
  • Unlimited redraws
  • Visa debit card
  • Redraw facility
  • Available to split
  • Additional repayments
  • Up to 80% LVR
  • $1M max loan amount

Smart Booster Home Loan
Discount Variable - 1 year

1.99%

2.47%

-

-

Looking for a home loan under 2%? Look no further. The Smart Booster will help you boost your equity and own your own home sooner.

  • Option to add an offset sub-account for +0.10%^
  • No monthly or ongoing fees
  • Unlimited redraws
  • Visa debit card
  • Redraw facility
  • Available to split
  • Additional repayments
  • Up to 80% LVR
  • $1M max loan amount

2.08%

2.36%

-

-

Get rewarded with a discount to your home loan rate when you go green for your new home.

  • Low rate home loan with added benefits
  • Save thousands & make an environmentally conscious choice on your loan for homes less than 12 months old
  • Get a 7.0 star NatHERS rating or higher for up to 1.59% discount*** on your variable rate home loan
  • Visa debit card
  • Redraw facility
  • Available to split
  • Additional repayments
  • Up to 90% LVR
  • $2M max loan amount

2.48%

2.50%

2.79%

2.81%

The Smart Home Loan is our low rate loan that could save you thousands on your dream home.

  • Option to add an offset sub-account for +0.10%^
  • No monthly or ongoing fees
  • Unlimited redraws
  • Visa debit card
  • Redraw facility
  • Available to split
  • Additional repayments
  • Up to 80% LVR
  • $2M max loan amount

2.79%

2.81%

-

-

The Smart Home Loan is our low rate loan that could save you thousands on your dream home.

  • Option to add an offset sub-account for +0.10%^
  • No monthly or ongoing fees
  • Unlimited redraws
  • Visa debit card
  • Redraw facility
  • Available to split
  • Additional repayments
  • Up to 90% LVR
  • $1M max loan amount

2.73%

2.75%

-

-

Great low rate home loan with interest free $5,000 Visa debit card.

  • $5000 Visa debit card, 0% interest
  • No monthly or ongoing fees
  • Unlimited additional repayments
  • Visa debit card
  • Redraw facility
  • Schedule recurring transfers
  • Additional repayments
  • Up to 80% LVR
  • $2M max loan amount

2.44%

2.60%

2.84%
(up to 80%)

2.63%

Lock in a low rate for your peace of mind

  • 1 year fixed term
  • No monthly or ongoing fees
  • Option to split with low variable rate
  • Schedule recurring transfers
  • Additional repayments (Up to $10,000 extra repayment per year)
  • Up to 90% LVR
  • $1M max loan amount

2.99%

2.67%

3.39%
(up to 80%)

2.73%

Lock in a low rate for your peace of mind

  • 2 year fixed term
  • No monthly or ongoing fees
  • Option to split with low variable rate
  • Schedule recurring transfers
  • Additional repayments (Up to $10,000 extra repayment per year)
  • Up to 90% LVR
  • $1M max loan amount

3.24%

2.75%

3.64%
(up to 80%)

2.84%

Lock in a low rate for your peace of mind

  • 3 year fixed term
  • No monthly or ongoing fees
  • Option to split with low variable rate
  • Schedule recurring transfers
  • Additional repayments (Up to $10,000 extra repayment per year)
  • Up to 90% LVR
  • $1M max loan amount
Discount Variable - 2 year

Principal & interest

Interest Only

Interest rate p.a.

Comparison rate p.a.*

Interest rate p.a.

Comparison rate p.a.*

1.85%

2.21%

-

-

Discount Variable - 1 year

Principal & interest

Interest Only

Interest rate p.a.

Comparison rate p.a.*

Interest rate p.a.

Comparison rate p.a.*

1.99%

2.47%

-

-

Principal & interest

Interest Only

Interest rate p.a.

Comparison rate p.a.*

Interest rate p.a.

Comparison rate p.a.*

2.08%

2.36%

-

-

Principal & interest

Interest Only

Interest rate p.a.

Comparison rate p.a.*

Interest rate p.a.

Comparison rate p.a.*

2.48%

2.50%

2.79%

2.81%

Principal & interest

Interest Only

Interest rate p.a.

Comparison rate p.a.*

Interest rate p.a.

Comparison rate p.a.*

2.79%

2.81%

-

-

Principal & interest

Interest Only

Interest rate p.a.

Comparison rate p.a.*

Interest rate p.a.

Comparison rate p.a.*

2.73%

2.75%

-

-

Principal & interest

Interest Only

Interest rate p.a.

Comparison rate p.a.*

Interest rate p.a.

Comparison rate p.a.*

2.44%

2.60%

2.84%
(up to 80%)

2.63%

Principal & interest

Interest Only

Interest rate p.a.

Comparison rate p.a.*

Interest rate p.a.

Comparison rate p.a.*

2.99%

2.67%

3.39%
(up to 80%)

2.73%

Principal & interest

Interest Only

Interest rate p.a.

Comparison rate p.a.*

Interest rate p.a.

Comparison rate p.a.*

3.24%

2.75%

3.64%
(up to 80%)

2.84%

Investor rates

Our low investment loan rates make it simple for you to buy your investment property or start saving on your investment loan repayments, as soon as possible.

If you have an owner occupied loan and an investment loan, you can get a discount on both when you choose loans.com.au.

 

Principal & interest

Interest Only

 

Product Name

Interest rate p.a.

Comparison rate p.a.*

Interest rate p.a.

Comparison rate p.a.*

Features

Smart Booster Investor Bundle
Discount Variable - 1 year MOST POPULAR

1.99%

2.71%

1.99%

2.71%

Bundle your home loan with your investment loan to start saving thousands, with the loans.com.au Smart Booster Investor Bundle with both owner occupied and investment loans starting with a 1.

  • Option to add an offset sub-account for +0.10%^
  • No monthly or ongoing fees
  • Unlimited redraws
  • Visa debit card
  • Redraw facility
  • Available to split
  • Additional repayments
  • Up to 80% LVR
  • $1M max loan amount

2.34%

2.63%

2.59%

2.88%

Looking for a home loan under 2%? Look no further. The Smart Booster will help you boost your equity and own your own home sooner.

  • Get rewarded with a discount to your investment loan rate when you go green for your new investment property.
  • Save thousands & make an environmentally conscious choice on your loan for homes less than 12 months old
  • Get a 7.0 star NatHERS rating or higher for up to 1.59% discount*** on your investment loan
  • Visa debit card
  • Redraw facility
  • Available to split
  • Additional repayments
  • Up to 90% LVR
  • $2M max loan amount

2.74%

2.76%

2.99%

3.01%

The Smart Investor Home Loan could help you save you thousands and build your wealth.

  • Option to add an offset sub-account for +0.10%^
  • No monthly or ongoing fees
  • Unlimited redraws
  • Visa debit card
  • Redraw facility
  • Available to split
  • Additional repayments
  • Up to 80% LVR
  • $2M max loan amount

2.99%

3.01%

3.19%

3.21%

The Smart Investor Home Loan could help you save you thousands and build your wealth.

  • Option to add an offset sub-account for +0.10%^
  • No monthly or ongoing fees
  • Unlimited redraws
  • Visa debit card
  • Redraw facility
  • Available to split
  • Additional repayments
  • Up to 90% LVR
  • $1M max loan amount

3.69%

3.70%

-

-

Want a lower rate on your SMSF loan? loans.com.au has some of the lowest rate SMSF loans in the market, and we’re here to help you refinance your SMSF so you can start saving thousands.

  • Easy refinance process
  • No application fee and no settlement fee
  • No monthly, annual or ongoing fees
  • Additional repayments
  • Up to 80% LVR
  • $1M max loan amount

2.64%

2.89%

3.04%
(up to 80%)

2.92%

Lock in a low rate investment loan for certainty of your repayments.

  • 1 year fixed term
  • No monthly or ongoing fees
  • Option to split with low variable rate
  • Schedule recurring transfers
  • Additional repayments (Up to $10,000 extra repayment per year)
  • Up to 90% LVR
  • $1M max loan amount

3.19%

2.96%

3.59%
(up to 80%)

3.01%

Lock in a low rate investment loan for certainty of your repayments.

  • 2 year fixed term
  • No monthly or ongoing fees
  • Option to split with low variable rate
  • Schedule recurring transfers
  • Additional repayments (Up to $10,000 extra repayment per year)
  • Up to 90% LVR
  • $1M max loan amount

3.44%

3.03%

3.84%
(up to 80%)

3.11%

Lock in a low rate investment loan for certainty of your repayments.

  • 3 year fixed term
  • No monthly or ongoing fees
  • Option to split with low variable rate
  • Schedule recurring transfers
  • Additional repayments (Up to $10,000 extra repayment per year)
  • Up to 90% LVR
  • $1M max loan amount
MOST POPULAR
Discount Variable - 1 year

Principal & interest

Interest Only

Interest rate p.a.

Comparison rate p.a.*

Interest rate p.a.

Comparison rate p.a.*

1.99%

2.71%

1.99%

2.71%

Principal & interest

Interest Only

Interest rate p.a.

Comparison rate p.a.*

Interest rate p.a.

Comparison rate p.a.*

2.34%

2.63%

2.59%

2.88%

Principal & interest

Interest Only

Interest rate p.a.

Comparison rate p.a.*

Interest rate p.a.

Comparison rate p.a.*

2.74%

2.76%

2.99%

3.01%

Principal & interest

Interest Only

Interest rate p.a.

Comparison rate p.a.*

Interest rate p.a.

Comparison rate p.a.*

2.99%

3.01%

3.19%

3.21%

Principal & interest

Interest Only

Interest rate p.a.

Comparison rate p.a.*

Interest rate p.a.

Comparison rate p.a.*

3.69%

3.70%

-

-

Principal & interest

Interest Only

Interest rate p.a.

Comparison rate p.a.*

Interest rate p.a.

Comparison rate p.a.*

2.64%

2.89%

3.04%
(up to 80%)

2.92%

Principal & interest

Interest Only

Interest rate p.a.

Comparison rate p.a.*

Interest rate p.a.

Comparison rate p.a.*

3.19%

2.96%

3.59%
(up to 80%)

3.01%

Principal & interest

Interest Only

Interest rate p.a.

Comparison rate p.a.*

Interest rate p.a.

Comparison rate p.a.*

3.44%

3.03%

3.84%
(up to 80%)

3.112%

Construction rates

Let us help with the finance so you can focus on your building and renovations. A simple and quick process, with fully featured loans, you’ll find the right low rate construction loan for you.

 

Interest only

 

 

Product Name

Interest rate p.a.

Comparison rate p.a.*

Post construction rate p.a.

Features

Green Construction
Owner Occupier

2.08%

2.39%

2.08%

Get Australia's lowest rate construction loan discount when you go green.

  • Low rate construction loan with added benefits
  • Save thousands & make an environmentally conscious choice
  • Get a 7.0 star NatHERS rating or higher for up to 1.59% discount***
    on your variable rate construction loan
  • Up to 90% LVR
  • $1M max loan amount
After completion:
  • Visa debit card
  • Redraw facility
  • Available to split
  • Additional repayments

2.59%

2.90%

2.59%

Get Australia's lowest rate construction loan discount when you go green.

  • Low rate construction loan with added benefits
  • Save thousands & make an environmentally conscious choice
  • Get a 7.0 star NatHERS rating or higher for up to 1.59% discount***
    on your variable rate construction loan
  • Up to 90% LVR
  • $1M max loan amount
After completion:
  • Visa debit card
  • Redraw facility
  • Available to split
  • Additional repayments

Construction
Owner Occupier - 80% LVR

3.47%

2.71%

2.59%

Build your dream home or renovate with our construction loan

  • Interest-only during construction
  • No monthly or ongoing fees
  • Optional offset sub-account upon completion of construction
  • Up to 80% LVR
  • $1M max loan amount
After completion:
  • Visa debit card
  • Redraw facility
  • Available to split
  • Additional repayments

Construction
Owner Occupier - 90% LVR

3.67%

3.09%

2.99%

Build your dream home or renovate with our construction loan

  • Interest-only during construction
  • No monthly or ongoing fees
  • Optional offset sub-account upon completion of construction
  • Up to 90% LVR
  • $1M max loan amount
    After completion:
  • Visa debit card
  • Redraw facility
  • Available to split
  • Additional repayments

Construction
Investor - 80% LVR

3.57%

2.99%

2.89%

Build or renovate to increase your investment property’s value with our construction loan

  • Interest only during construction
  • No monthly or ongoing fees
  • Optional offset sub-account upon completion of construction
  • Up to 80% LVR
  • $1M max loan amount
After completion:
  • Visa debit card
  • Redraw facility
  • Available to split
  • Additional repayments

Construction Investor
Investor - 90% LVR

3.77%

3.28%

3.19%

Build or renovate to increase your investment property’s value with our construction loan

  • Interest only during construction
  • No monthly or ongoing fees
  • Optional offset sub-account upon completion of construction
  • Up to 90% LVR
  • $1M max loan amount
After completion:
  • Visa debit card
  • Redraw facility
  • Available to split
  • Additional repayments
Owner Occupier

Interest only

 

Interest rate p.a.

Comparison rate p.a.*

Post construction rate p.a.

2.08%

2.39%

2.08%

Interest only

 

Interest rate p.a.

Comparison rate p.a.*

Post construction rate p.a.

2.59%

2.90%

2.59%

Owner Occupier - 80% LVR

Interest only

 

Interest rate p.a.

Comparison rate p.a.*

Post construction rate p.a.

3.47%

2.71%

2.59%

Owner Occupier - 90% LVR

Interest only

 

Interest rate p.a.

Comparison rate p.a.*

Post construction rate p.a.

3.67%

3.09%

2.99%

Investor - 80% LVR

Interest only

 

Interest rate p.a.

Comparison rate p.a.*

Post construction rate p.a.

3.57%

2.99%

2.89%

Investor - 90% LVR

Interest only

 

Interest rate p.a.

Comparison rate p.a.*

Post construction rate p.a.

3.77%

3.28%

3.19%

Want to compare your home loan options?

Complete your home loan application in 2 minutes

Apply online yourself or call our friendly lending specialists and they can do the hard work for you. The application is quick and easy, so get started on yours today.

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Common home loan questions

To apply, simply enter a few details in our online home loan application form.

Alternatively, chat to one of our friendly lending specialists on 13 10 90 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. Find out more information about the documents required for a home purchase or build.
One of the benefits of being a first time home buyer in Australia is the access to a First Home Owner Grant. A First Home Owner Grant or FHOG was introduced by the Australian government to help first time homebuyers purchase their home. The requirements aren’t self-evident and every state and territory has different criteria and grant offers. To get more information about FHOG in your state, we suggest you visit the relevant website:

ACT | NSW | NT | SA | QLD | TAS | VIC | WA
Stamp duty is a tax imposed by state governments in Australia on the purchase of assets such as real estate. There are many factors involved in determining the cost of stamp duty for a property. These include:
  • The state you’re buying in – All states have different methods of calculating stamp duty so the amount will differ.
  • The price of the property – In general, the cheaper the property is the less stamp duty you will pay.
  • The type of home you’re buying – Vacant land will have less stamp duty compared to an established home.
Lender's Mortgage Insurance is an insurance policy that protects the lender from financial loss in the event that the borrower can’t afford to keep up their home loan repayments. If you have saved a deposit of 20% or more, you won’t have to pay "Lender's Mortgage Insurance" (LMI).
At loans.com.au, you’ll need at least a 10% deposit to buy your home. If you want to avoid paying LMI, we recommend you save at least a 20% deposit of the property price. We also recommend you look into grants and schemes available to first home buyers which may assist with the purchase.
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. Property reports are most useful if you're looking to buy 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.
You can get your dream home at a great low home loan rate because of our online model. We don’t have to pay for branches or broker commissions, which means we are able to pass our savings directly on to you through low home loan rates and and no ongoing, annual or monthly fees.
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.
At loans.com.au we offer the option to add an offset sub-account to your home loan. Many people choose to do this to help pay their home loan faster and save thousands on interest payments. For an extra 0.10% to the loan, you can add a 100% offset sub-account with online, ATM, EFTPOS & VISA debit card access to your money, plus unlimited free redraws.
Unlike many other lenders, at loans.com.au we’re proud to say 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 valuation fee, which for a standard property in a metropolitan area in a major city starts at $220.

Why people choose us?

Quite simply, we help people into their dream homes and cars.

For the last 10 years, Aussies have trusted our experienced & locally based team to support them with low home loan and car loan rates, approved quickly through our online app.

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Low interest rates

We can offer rates much lower than some banks and lenders. Fewer overheads mean doing business costs less and those savings translate directly into lower interest rates and fees so you can save when buying your next home.

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Australian-based

We have an experienced, Australian based team. At every step of the home purchase journey, you’ll talk to a real person from our friendly team of lending specialists who are here to help you get a low rate home loan as quickly as possible, so you can get the keys to your next property.

flexible-home-loans-icon

Flexible options

We offer great low rates on our fixed, variable and split home loans for your next home purchase. We also offer discounts for large deposits or customers with owner occupied and investment properties, so it could be worth considering keeping your existing property as an investment to access some loan discounts.

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Award-winning

Many customers who joined us years ago continue to finance their new home purchases with us, plus we are also recognised by the experts. By keeping interest rates low and providing exceptional service, we keep on winning awards for our loans, extras and innovations, year after year!

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onTrack Advantage

onTrack is our online app which allows you to complete your home loan application on your device from initial contact through to settlement and beyond. In onTrack you can complete your application in your own time, and you can always upload sections and come back at a time that suits you as you focus on the build, purchase or refinance..

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Free Property Reports

We provide free property reports which can help you get started on research to make sure your next home is the right home for you. The loans.com.au 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.

Home loan calculators

If you haven’t started your home loan journey yet, we have calculators that might help you make your decision, whether it be to refinancing, get a second property, or add features to your loan. Use our calculators to calculate your equity, repayments, potential savings by refinancing or adding an offset. We also have a stamp duty calculator to see how much you may be up for.

Whatever stage of the home loan journey you're at, we can help

...

I’m buying my next home

We can approve your application quickly to help you get the keys to your next home as soon as possible, and with our low rates, it's possible for you to own your home sooner.

...

I’m refinancing

At loans.com.au, we make it easy for you to start saving thousands on your home loan repayments, as soon as possible. You don’t even have to contact your old lender - we can do the hard work for you.

...

I’m investing

If you're buying an investment property, building an investment property or refinancing your investment loan, we make the home loan process simple, quick and hassle free, with great low rate investment loans.

...

I’m buying my first home

The friendly lending specialists at loans.com.au are here to help you as much as you need when buying your first home. We can walk you through all your options to find the right loan for you, and we have a number of handy guides and videos available to help with the process.

...

I’m building a home

When you're building or doing major renovations, you have a lot on your mind. We can help take the stress out the finance with low rates and an easy online application so you can focus on the build.

See if you qualify for a loan

In just 2 minutes, find out if you qualify for a low rate home loan.

Start your online application

According to our customers, the application process is “quick, smooth and easy”, and communication is “clear, transparent and professional.” Get started on your online application today.

Chat to a lending specialist

Our friendly home loan specialists are here to help. Book a call to get all your home loan questions answered.

TAP to chat!