Think you have the
cheapest home loan?

Award winning car and home loans

Essentials home loan

  • No monthly fees
  • Redraw facility with no minimum
  • Split loan facility available

Rates from

3.64%

variable rate p.a.* (80% LVR)

3.66%

Comparison rate p.a.*

$1,827.58

minimum monthly repayments

This calculation is based on a $400,000 loan over 30 years and includes principle & interest. This may not be your actual repayment.

Queries were addressed quickly

Very prompt and efficient service. All queries were addressed within the day and guided me all the way through the process. Will definitely recommend loans.com.au to others.

Derek H. - Clayton South, VIC
April 2017

Reasons to choose us

We offer award-winning, low-rate home and car loans with no ongoing fees, saving our customers thousands of dollars.

  • Award winning: The latest addition to our trophy cabinet is the 2016 CANSTAR 5 Star Rating Outstanding Value for Owner-Occupied and Investor Variable Rate Home Loans.
  • Great value: We are online only, so what we save on the cost of branches, we pass on in the form of lower interest rates for our customers.
  • Hassle free: In less than a minute, you can find out if you pre-qualify for a home loan, then apply online in just five steps
  • Secure: We employ industry-leading technology to keep your information safe. All data sent and received is protected by 256 SSL encryption and a firewall mechanism to ensure confidentiality.

Find my home loan:

I want to borrow $ || $50,000 is our minimum lending limit for a home loan $2,000,000 is our maximum lending limit for a home loan $1,000,000 is our maximum lending limit for a construction loan

I am interested in

and I would like theand I have

Get a low-rate car loan

Loans.com.au also offer a great low fixed rate car loan with no ongoing fees, so you know exactly how much your repayments are. Our easy online application takes only minutes and we've removed all the speed bumps along the way.

At loans.com.au we do everything possible to make it easy for you to drive away in your new car, sooner. 

Find out more

Our awards

In 2016, loans.com.au has received 5 star ratings for our variable rate home loans from Canstar.

We also were named the 2015 Home Lender of the year in Mozo's Expert Choice Award plus many others, including Money Magazine's Cheapest Home Loan - Non-bank two years in a row.

See all our awards

Customer reviews

Value for money: 4.9/5
Customer service: 4.9/5

Based on 161 reviews.
As rated by our settled customers

Read more reviews

Refinancing my second loan
The team were brilliant with the level of customer service they provided to me. I was so impressed that I am now in the process of refinancing my second loan through loans.com.au. I really don't think that any other online financial institution could be as effective and efficient as loans.com.au. I will certainly be recommending loans.com.au to my family and friends.

Value for money: 5/5
Customer service: 5/5 Recommend to a friend?: Yes

Marino S. - Farrer, ACT
April 20 2017

Helpful lending manager
Excellent service and support throughout the whole process. Lending manager was very helpful with changes throughout the application process. Could not be happier.

Value for money: 5/5
Customer service: 4/5 Recommend to a friend?: Yes

Adam W. - Noosaville, QLD
April 19 2017

Online doesn't mean impersonal, let's talk!

Hannah has been with loans.com.au for over five years. As an experienced Senior Support Officer, Hannah can answer all your questions and help you start saving sooner.

Speak to one of our friendly and experienced support team members, like Hannah, to find the right low-rate loan package for you. Call 7am - 7pm Monday to Friday.

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