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Looking for a real good home loan?

Highly competitive rates, additional payments, redraw and 24 hour approval.

Rates from***

6.04

% p.a

Comp rate*

6.06

% p.a

Our google rating

4.5 444 reviews

Multi-award winning

Our home loan interest rates

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Loan amount

Loan reasons

Purchasing

Refinancing

Building

Loan type

Owner Occupier

Investment

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.	6.06% p.a.	$3,011	Discounted home loan rate 10% deposit minimum Offset sub-account available for +0.10%^ No monthly or ongoing fees 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.	6.51% p.a.	$2,995	Discounted green home loan rate 10% deposit minimum Offset sub-account available for +0.10%^ No monthly or ongoing fees Free redraw on any additional repayments Pay your bills via BPAY	More details Do I Qualify?
Solar Home Loan Owner Occupied • Principal & Interest • Up to 90% LVR	5.99% p.a.	6.51% p.a.	$2,995	Discounted solar home loan rate 10% deposit minimum Offset sub-account available for +0.10%^ No monthly or ongoing fees Free redraw on any additional repayments Pay your bills via BPAY	More details Do I Qualify?
ZIP Home Loan Owner Occupied • Principal & Interest • Up to 80% LVR	6.44% p.a.	6.46% p.a.	$3,141	$5,000 interest free Visa debit card 20% deposit minimum No monthly or ongoing fees Free redraw on any additional repayments Pay your bills via BPAY Access your account via Smart Money app	More details Do I Qualify?
3 Year Fixed (Special) Owner Occupied • Principal & Interest • Up to 90% LVR	5.69% p.a.	6.16% 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?

#Based on the dollar value represented in the search fields with P&I repayments and a 30 year loan term.

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

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

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More than exceptional

“My experience with loans.com.au was more than exceptional. Ray was nothing short of amazing throughout this process. I highly recommend loans.com.au!„

Matthew P.

23 Aug 2024

Very professional and polite

“This is a very good organization. Less than a week turnaround, and they were very professional and polite. I recommend this business.„

Drew D.

19 Aug 2024

Easy application process

“By far the best lender I've ever dealt with. Sooooo much better than any of the big 4. Easy application process and great customer service.„

Lisa S.

16 Aug 2024

Highly recommended

“It is great experience working with Sonia from Loans.com.au. She is very knowledge, good communicator, follow up and responds quickly which helped to get the approval in few days exceeding my expectation.„

Rajesh M.

29 Jul 2024

Very Happy with Jessica's service

“Very Happy with Jessica's service so far. She is knowledgeable and efficient, and always available to answer my questions. The portal is also very easy to use. Thank you.„

Cristina R.

09 Jul 2024

Would definitely recommend Loans.com.au

“Would definitely recommend Loans.com.au, very competitive loan rate, app simple to use, staff easy to talk to.„

Roxanne L.

08 Jul 2024

Best experience

“We had the best experience getting a loan with the loans.com.au. Everyone we spoke to was friendly and transparent with communications. We really appreciated all the effort the loans.com.au team put into turning around our finance approval <3„

Stamatia B.

04 Jul 2024

Outstanding customer service!

“I had an excellent experience with loans.com.au while securing my car loan. Rena and Crystal provided exceptional service throughout the entire process. They were knowledgeable, efficient, and always available to answer my questions.„

Rohit P.

17 Jun 2024

Unbelievable result

“Unbelievable result achieved by amazing team of professionals! I’m really grateful to loans.com.au for saving my property deal and will recommend everyone to use their services. Thank you!„

Alexander S.

15 Jun 2024

Best company for organizing loans

“If you ask me who is the best company for organizing loans, I will tell you: it is loans.com.au. I had an excellent experience with them. Sonia, who helped us to get the loan in just 3 days exceeded my expectations. It was done very professionally, without any stress. I would definitely recommend loans.com.au to borrow money from.„

Svetlana S.

14 Jun 2024

kind and so helpful

“Loans.com.au made it so easy to get my car loan. I was quite overwhelmed when I first started looking in to a loan but once I spoke to Garth, he explained everything so clearly and answered all of my questions without any hesitation. He was so kind and so helpful, and so was everybody else I spoke to within the team.„

Jasmin R.

01 Jun 2024

Very helpful with clear communication and quick responses

“Ray and Jordan at Loans.com.au have helped us to acquire the mortgage in a short time. They are very helpful with clear communication and quick responses. Definitely recommend anyone give them a go!„

Vincent L.

08 May 2024

Our Google rating

4.5 444 reviews

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Our home loan application process

1

Apply online

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.

2

Goodbye paperwork

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.

3

Settle & save

Settle & save

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.

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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.

Real Good Rewards

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

Ready to Start Saving?

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

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