Why Choose This Loan?
Rate lock option available
Ensure your interest rate doesn't change in the period between application and settlement.
Interest Only option available
Interest only option available to lower your monthly repayments and manage your expenses.
Multiple Repayment Options
Weekly, Fortnightly and Monthly repayment options available including five years interest-only.
No application fee
As an online lender, we save in overhead costs and pass those savings directly on to you.
“loans.com.au has been excellent all the way through. Everyone has been so helpful and friendly that I felt treated like family.”
What Other Customers Are Saying
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Need to Know More? Here's the Whole Offer
Rates
Principal & interest
Fixed Term:
1 Year
2 Year
3 Year
4 Year
5 Year
Interest Rate:
6.34% p.a.
6.14% p.a.
6.09% p.a.
6.24% p.a.
5.94% p.a.
Comparison Rate:
6.83% p.a.
6.77% p.a.
6.71% p.a.
6.70% p.a.
6.57% p.a.
Max LVR:
90%
90%
90%
90%
90%
Interest only
Fixed Term:
1 Year
2 Year
3 Year
4 Year
5 Year
Interest Rate:
6.74% p.a.
6.54% p.a.
6.49% p.a.
6.64% p.a.
6.69% p.a.
Comparison Rate:
7.23% p.a.
7.17% p.a.
7.11% p.a.
7.11% p.a.
7.09% p.a.
Max LVR:
80%
80%
80%
80%
80%
Key Features
10% deposit minimum
Up to 30 years loan term
Up to $10,000 extra repayment/year
Refinance or purchase
No monthly or ongoing fees
90 day rate lock option available
Repayments
Frequency
Weekly, monthly or fortnightly
Estimated repayments
$2,978 per month
The monthly repayment estimate is based on a $500,000 loan over 30 years at 5.94% p.a. paying principal and interest.
Fees
Application fee
$0
Ongoing fees
$0
Security assessment fee
$230
Government fees
At cost
Settlement fee
$300
Optional rate lock fee
$350
P&I
Fixed Term:
Interest Rate:
Comp Rate:
Max LVR:
1 Year
6.34% p.a.
6.83% p.a.
90%
Fixed Term:
Interest Rate:
Comp Rate:
Max LVR:
2 Year
6.14% p.a.
6.77% p.a.
90%
Fixed Term:
Interest Rate:
Comp Rate:
Max LVR:
3 Year
6.09% p.a.
6.71% p.a.
90%
Fixed Term:
Interest Rate:
Comp Rate:
Max LVR:
4 Year
6.24% p.a.
6.70% p.a.
90%
Fixed Term:
Interest Rate:
Comp Rate:
Max LVR:
5 Year
5.94% p.a.
6.57% p.a.
90%
IO
Fixed Term:
Interest Rate:
Comp Rate:
Max LVR:
1 Year
6.74% p.a.
7.23% p.a.
80%
Fixed Term:
Interest Rate:
Comp Rate:
Max LVR:
2 Year
6.54% p.a.
7.17% p.a.
80%
Fixed Term:
Interest Rate:
Comp Rate:
Max LVR:
3 Year
6.49% p.a.
7.11% p.a.
80%
Fixed Term:
Interest Rate:
Comp Rate:
Max LVR:
4 Year
6.64% p.a.
7.11% p.a.
80%
Fixed Term:
Interest Rate:
Comp Rate:
Max LVR:
5 Year
6.69% p.a.
7.09% p.a.
80%
10% deposit minimum
Up to 30 years loan term
Unlimited additional repayments
Refinance or purchase
No monthly or ongoing fees
90 day rate lock option available
Frequency
Weekly, monthly or fortnightly
Estimated repayments
$2,978 per month
The monthly repayment estimate is based on a $500,000 loan over 30 years at 5.94% p.a. paying principal and interest.
Application fee
$0
Ongoing fees
$0
Security assessment fee
$230
Government fees
At cost
Settlement fee
$300
Optional rate lock fee
$350
![Gold Award - Best Green Home Loan](/media/images/awards/rc-goldaward2022-best-green-home-loan.webp)
Frequently asked questions
Konnie Sewell
Lending Specialist