Save with Australia's
Cheapest Home Loan#

dream home loan
essentials

  • 4.23%
    variable rate p.a
  • 4.25%
    comparison rate p.a*
Find out more 

dream home loan
offset variable

  • 4.27%
    variable rate p.a
  • 4.29%
    comparison rate p.a*
Find out more 

dream home loan
fixed

  • 4.29%
    3 year fixed rate p.a
  • 4.29%
    comparison rate p.a*
Find out more 
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Looking to refinance, buy, build or renovate a home? We have a home loan to suit your needs.
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Latest news

We've cut fixed rates for the second time this month, now 4.29%* for 1-3 years.
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What our customers say about loans.com.au


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What is loans.com.au?

Loans.com.au is an Australian owned, multi award-winning online lender. We have earned our track record with low interest rates and flexible finance products. Since 2011 loans.com.au has been able to meet the needs of tens of thousands of customers around Australia; people just like you. We continue to innovate to stay ahead of the competition and give our customers the best of what new technology can bring to money management. 

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Do you qualify for a loan?

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Find out if you qualify for a loan with us.

100% online means you save

Loans.com.au doesn’t have a branch network to maintain or mortgage brokers to pay. Fewer overheads mean doing business costs less and those savings translate directly into lower interest rates and fees for you.

By keeping our interest rates low and revolutionising the loan application process, loans.com.au is taking competition up to the big four banks and challenging the status quo of the home loan industry in Australia. 
 

Our awards

A personal lending manager

When you apply online with us you’re assigned your own personal lending manager and support officer who are your points of contact for the whole process. Your lending manager and support officer will be with you all the way through to settlement. It makes it easier for you, and for us, as you don’t have to tell your story to someone new each time you call.

Loans.com.au is part of the Firstmac Group, one of Australia’s top non-bank lenders, with 35 years’ experience, $6 billion in mortgages under management and $150 million in cash investments. 

Free loans.com.au property report

To help you find the perfect home, we’d like to give you a free loans.com.au Comparative Market Analysis (CMA) property report. Our reports provide a breakdown of information about the property you are considering, including previous sale prices. It also offers valuable information about the area, such as median house prices, recent sales figures, and the local community demographics.

So get clicking here to receive your free report. Or if you prefer to talk on the phone, give us a call on 13 10 90.


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*View our comparison rate disclaimer

#Gold Winner of Money magazine’s 2015 Best of the Best award for Cheapest Home Loan – Non Bank in Dec14/- Jan15 issue for Dream Home Loan Offset Variable product, ranked by total cost of loan for a $350,000 mortgage over 25 years for loans up to 80% LVR. Note loans.com.au “ranking cost” was $6,543 less than the cheapest bank home loan winner. Gold Winner of Money magazine’s 2015 Best of the Best award for Cheapest Flexible Home Loan – Non Bank in Dec14/- Jan15 issue for Dream Home Loan Offset Variable product, ranked by total cost of loan for a $350,000 mortgage over 25 years for loans up to 80% LVR. Note loans.com.au “ranking cost” was $23,529 less than the cheapest flexible home loan - bank winner.

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