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cheapest home loan?

Award winning car and home loans

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Smart loan package

Package your owner-occupied loan with your investment loan and enjoy low rates for both.
Interest only option available
No monthly or ongoing fees

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Rates from

3.89% variable rate p.a*
3.91% comparison rate p.a*

Whatever stage of the home loan journey you're at

we can help

BUYING YOUR FIRST HOME BUYING YOUR NEXT HOME INVESTING REFINANCING BUILDING OR RENOVATING

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 2017 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 bit 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

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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.

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Our awards

In 2017 and 2016, loans.com.au has received 5 star ratings for our variable rate home loans from Canstar.

We also received a number of awards from the 2017 Mozo's Expert Choice Awards for Low Cost Home Loan, Offset Home Loan, Variable Investor Home Loan, and Split Home Loan.

SEE ALL OUR AWARDS

Customer reviews

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

Based on 195 reviews.
As rated by our settled customers

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

Brodie has been with loans.com.au for over four years. As an experienced Lending Manager, Brodie can answer all your questions and help you start saving sooner.

Speak to one of our friendly and experienced Lending Managers, like Brodie, to find the right low rate loan package for you. Call 7am - 7pm Monday to Friday.

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Disclaimer
*Rates as at 1st August 2017. Different interest rates apply to investor loans, loans with interest only repayments, or loan over 80% LVR. The comparison rate is based on a $150,000 loan over 25 years. Warning: this comparison rate is true only for this example and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Lending criteria, fees and conditions apply. Rates, fees and conditions are indicative, available for new loans only and subject to change without notice.

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

^Split combinations of Offset variable and Essentials loan are not permitted.

Think you have the cheapest home loan?