Smart Loan Package

Package your owner-occupied loan with your investment loan and enjoy low rates for both.

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Essentials

Rates from

  • 0%
    variable rate p.a. *
  • 0%
    comparison rate p.a. *
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A streamlined low-rate, low-fee home loan product.

  • Unlimited free redraws with no minimum redraw amount
  • No monthly or ongoing fees
  • Unlimited additional repayments

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

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Buying my
first home

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Buying my
next home

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Investing

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Refinancing

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Building
 

Reasons to choose us

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

  • The latest addition to our trophy cabinet is the 2018 CANSTAR 5 Star Rating Outstanding Value for Variable Home Lender - Owner-Occupied and Investment.
  • In less than a minute, you can find out if you pre-qualify for a home loan, then apply online in just five steps.
  • 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.
  • 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

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

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

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

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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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Customer reviews

  • 4.9
  • Value for money Customer service

(Based on 243 reviews. As rated by our settled customers)

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Loans.com.au is amazing

Always amazing to speak to and always so helpful. We are telling all our friends about you!

- John K. Camira, QLD , May 08 2018

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

Dealing with a loan specialist was amazing

From start to finish your team was amazing, keeping us informed all the way through and letting us know what documents we needed to provide. Also, dealing with one loan specialist who looked after getting our loan to settlement was great. Thank you.

- Norma C. South Guildford, WA , April 25 2018

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

Our awards

In 2018, loans.com.au received 5-star ratings for Outstanding Value in the Variable Home Lender and Variable Home Lender – Investment categories.

We also received a number of awards from the 2018 Mozo's Expert Choice Awards for Low Cost Home Loan, Offset Home Loan, and Investor Home Loan.

The awards are the latest of many accolades we have received for our low-rate home loans.

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Disclaimer

*Rates as at 16 April 2018 for Essentials home loan up to 80% LVR with P&I repayments. Different interest rates apply to investor loans, loans with interest only repayments, product rollovers, and internal refinances. 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.

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