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Our home loans

Home Loan Interest Rate Comparison Rate Monthly Repayment Product Features Details

Variable Home Loan

6.04 %   p.a. 6.06 %   p.a. $3,011
  • Discounted home loan rate
  • Offset sub-account available for +0.10%^
  • 10% deposit minimum
Do I Qualify?

Green Home Loan

5.99 %   p.a. 6.51 %   p.a. $2,995
  • Discounted green home loan rate
  • Offset sub-account available for +0.10%^
  • 10% deposit minimum
Do I Qualify?

Solar Home Loan

5.99 %   p.a. 6.51 %   p.a. $2,995
  • Discounted solar home loan rate
  • Offset sub-account available for +0.10%^
  • 10% deposit minimum
Do I Qualify?

ZIP Home Loan

6.44 %   p.a. 6.46 %   p.a. $3,141
  • $5,000 interest free Visa debit card
  • Unlimited free redraw
  • 20% deposit minimum
Do I Qualify?

5 Year Fixed

5.94 %   p.a. 6.57 %   p.a. $2,978
  • 5 year fixed term
  • 90 day rate lock option available
  • 10% deposit minimum
Do I Qualify?
#Based on the dollar value represented in the search fields with P&I repayments and a 30 year loan term.
2024 WeMoney - Best Value for Refinance 2023 WeMoney - Best for Value (Variable) 2024 Mozo - Expert's Choice for Best Green Home Loan Gold Award - Best Green Home Loan 2022 WeMoney - Outstanding Customer Service
Our home loan products are recognised & awarded by the Australian financial industry

Find the right home loan for you

Buying a new home is an exciting time - whether it’s buying your first home, an investment property, upsizing to start a family or downsizing because your kids have fled the nest. We’re here to help you get the finance sorted so you can focus on finding the perfect home for you.

Whether you’re buying a new unit, an established property, building a new home or even refinancing, we’re here to assist with some of the lowest rates in market. We’ll even offer a ‘green’ discount if your home is built to an environmentally friendly and certified standard! Read on to find out why Aussies have trusted us for the last 10 years with their home loan.

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Am I eligible for a home loan?

Find out in under 2 minutes if you qualify for one of our low rate home loans.

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How much can I borrow?

Calculate your borrowing capacity in no time and see how much you can afford to borrow.

Start your home loan journey

...

I’m buying my next home

We can approve your application quickly to help you get the keys to your next home as soon as possible, and with our low rates, it's possible for you to own your home sooner.

Get Started
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I’m refinancing

At loans.com.au, we make it easy for you to start saving thousands on your home loan repayments, as soon as possible. You don’t even have to contact your old lender - we can do the hard work for you.

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I’m investing

If you're buying an investment property, building an investment property or refinancing your investment loan, we make the home loan process simple, quick and hassle free, with great low rate investment loans.

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...

I’m buying my first home

The friendly lending specialists at loans.com.au are here to help you as much as you need when buying your first home. We can walk you through all your options to find the right loan for you, and we have a number of handy guides and videos available to help with the process.

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...

I’m building a home

When you're building or doing major renovations, you have a lot on your mind. We can help take the stress out the finance with low rates and an easy online application so you can focus on the build.

Get Started
20244 WeMoney - Best Value for Refinance
2023 WeMoney - Best for Value (Variable)
2023 Mozo - Expert's Choice for Low Cost Home Loan
Gold Award - Best Green Home Loan
2022 WeMoney - Outstanding Customer Service

We're recognised & awarded by the Australian financial industry.

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Variable Home Loan
  • 6.04%
    discount var rate p.a.***
  • 6.06%
    comparison rate p.a.*
SPECIAL OFFER

Get a loans.com.au super low rate you’ll be celebrating for years!

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Variable Investor Home Loan
  • 6.34%
    discount var rate p.a.+
  • 6.36%
    comparison rate p.a.*
SPECIAL OFFER

Our lowest rate property investment loan.

The Variable Investor Home Loan will save you money on interest and fees to make it easy to buy an investment property.

Why choose loans.com.au for your home loan?

Low interest rates

Being an online lender with fewer overheads means we’re able to pass on the savings to our customers.

Australian based

Get help when you need it from our friendly team of Australian based, lending specialists.

Flexible options

Looking to save with an offset, or make extra repayments with a redraw? We have a full range of loan features to suit your situation.

Award winning

We keep on winning awards for our products, innovations and customer service, year after year!

Join Our Other loans.com.au Customers

Very helpful with clear communication and quick responses

Ray and Jordan at Loans.com.au have helped us to acquire the mortgage in a short time. They are very helpful with clear communication and quick responses. Definitely recommend anyone give them a go!

Vincent L.
08 May 2024

Exceptional service!

Exceptional service! Grateful to Ray for guiding us through the home loan process for our first home. His expertise, responsiveness, and personalised approach made everything smooth. Highly recommend. Thank you Ray and team.

Mary H.
18 Mar 2024

Very easy process

Very easy process with a friendly lending manager to guide you through.

Helen D.
25 Feb 2024

A big thanks to loans.com.au

My experience in getting a loan from Loans.com.au has been great. I think I was also fortunate in getting a highly experienced loan officer Ray Glowacki who was able to evaluate the circumstance and offer me the most suitable product.

FRANK D.
31 Jan 2024

Extremely helpful

Ray has been extremely helpful in setting up my refinance, he made the process so easy and was happy to take the time to answer all my questions. Thanks Ray!

Tamara W.
17 Jan 2024

Helpful!

Ray was an absolute pleasure to work with. His knowledge and years of experience meant he was able to assess our complex situation to find the best outcome for us. Ray thank you so much for your help and support every step of the way!

Samantha S.
16 Dec 2023

Professional and less stressful application

A big thanks to Ray and his team for making this process seamless. Professional advice and communication throughout the process. Professional and less stressful application than with any other we have been involved in before.

Gareth W.
12 Dec 2023

Great customer service!

Great customer service, thanks Ray!

Chris W.
19 Nov 2023

Simply amazing!

Ray was simply amazing! He took on my crazy timing request and helped drive the process to conclusion. Took some of the stress out of purchasing a property!

Clive G.
14 Nov 2023

Quick efficient and friendly!

Incredible company that has 10/10 customer service. Quick efficient and friendly!.

Gdenma G.
21 Sep 2023

Would highly recommend

Ray couldn’t have made the process of refinancing any easier for us. Would highly recommend.

Scott B.
21 Aug 2023

Excellent People, Cheap rates, fast process

Excellent People, Cheap rates, fast process. I had to arrange finance in 2 weeks and they sorted it out. Rena has been extremely helpful.

Sam S.
26 Jul 2023

Home loan repayment calculator

Use our home loan calculator to estimate what your monthly mortgage repayments could be. Whether you're refinancing or just wanting to understand how much you can afford, all you have to do is enter how the amount you would like to borrow, interest rate, home loan term, payment frequency, and repayment type (either principal & interest or interest-only).

%
years
years
Estimated savings from repayments graph

Your estimated repayments are

$279.21
$50,000
$50,513

Calculator assumptions

Our home loan application process

1
Apply online

Apply online

Simply fill out your application online by entering some of your details, or chat to one of our friendly lending specialists over the phone and they can complete your application for you.

2
Goodbye paperwork

Goodbye paperwork

After your application is complete, use our system we call onTrack on your desktop or device to add your documentation such as payslips and bank statements, and track the progress of your application.

3
Settle & save

Settle & save

Your loan will settle and you'll start saving with your new low rate, and get your keys to your new dream home!

Common home loan questions

The settlement process is different depending on each individual applicant’s personal situation, but we generally say it can take anywhere between 4 to 6 weeks. To get to settlement, you'll need to apply, speak to one of our lending specialists, upload your documentation, get the property valued, have your loan approved and the documentation delivered and signed, then you'll settle.

There are a few documents you’ll need to provide in your home loan application. Some of these include:

  • Two (2) most recent consecutive payslips for each applicant
  • Three (3) months bank statements showing regular salary credits, including most recent salary credits with the name of the employer evident
  • Evidence of Salary Sacrifice or Packaging (if applicable)
  • Evidence of Company Vehicle/Car Allowance (if applicable)
  • Six (6) consecutive months of home loan statements showing consistent repayment history (if applicable)

We charge a $300 settlement fee plus a security assessment fee. The security assessment fee for a standard property in a metropolitan area in a major city starts at $230 for properties valued up to $1 million. The security assessment fee is not refundable and is payable when the security assessment is ordered.

You can get your dream home at a great low rate because we don’t have to pay for branches or broker commissions and have innovative technology processes, which means we pass our savings directly on to you.

After settlement, you’ll nominate on your direct debit form when you start repayments. Our Customer Care team will also confirm your repayment dates when calling you at loan settlement. Additional repayments into a fixed home loan are allowed and are up to $10,000 per year.

We sure do! Introduce someone to loans.com.au and we'll reward you when they settle their loan with us!

For home loans, we’ll give you a huge $1000 bonus when they settle their home loan with us and your friend will also receive $1000.

For car loans, we’ll give you a huge $250 bonus when they settle their car loan with us and your friend will also receive $150 off their settlement fee.

To apply for any of our loans, visit: https://www.loans.com.au/apply or call 1300 528 731 and one of our lending specialists can help, or even complete the application for you.

Yes, we do offer the option to add an offset sub-account to our variable products for an additional 0.10%. For more information on this, please call one of our lending specialists on 1300 528 731.

loans.com.au requires a minimum deposit of 10% of the purchase price of the property, or the current value of the property if you are refinancing.

To avoid paying Lenders Mortgage Insurance (LMI), borrowers need a 20% deposit in most cases.

Getting a home loan with loans.com.au

Here’s the step-by-step process on how you can get a home loan to buy your dream home or investment property.

 
Home Loans - Purchase
1:27

Are you ready to pay your loan off sooner and own your own home? Here’s how you can.

 
Home Loans - Refinance
1:27

Wanting to build your own property or make extensive renovations? We’re here to help, so here’s how it works.

 
Home Loans - Build
1:51

Guide on buying your first home

Most people have questions as they start on the home buying journey, so we have pulled together some articles to help you. From information on our easy steps to apply for a home loan, to advice on pre-approvals and buying a home, you can find it here..

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