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.
Whatever stage of the home loan journey you're at, we can help
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.
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.
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.
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.
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.
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Get our lowest rate ever with the option to add an offset sub-account.
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Bundle your home loan and investment.
Save thousands when you bundle your investment loan and home loan with loans.com.au, with rates starting at 1.99%+ for both.
Why do people choose us for their first home?
loans.com.au is an award-winning online lender that is proudly Australian and based in the heart of Brisbane, with offices in other capital cities.
Low interest rates
We can offer extremely low rates because our online model is so efficient. Fewer overheads mean doing business costs less and those savings translate directly into lower interest rates and fees for our customers.
Australian based support team
We have an experienced, Australian based team. At every step of the way, you’ll talk to a real person from our friendly team of lending specialists who are here to help you.
We offer great low rates on our fixed, variable and split home loans. We also offer discounts for large deposits or customers with owner occupied and investment properties. We even offer a green home loan discount if your home is energy efficient!
By keeping our interest rates low and revolutionising the loan application process, we keep on winning awards for our products, innovations and customer service, year after year!
For both our home and car loans, you can find out if you pre-qualify in just minutes. The application process is simple, online, plus we’re here to help at each step of the way.
onTrack is our online app which allows you to complete your home loan application on your device from initial contact through to settlement and beyond. In onTrack you can complete your loan application in your own time, as it suits you.
Our home loan process
loans.com.au makes borrowing simple so you can buy your next home online with confidence. Go from application to settlement in three easy steps. Here's how to lock in a super-low-rate home loan, super-fast.
Fill out our application online or talk to one of our Australian-based lending specialists to do the hard work for you.
Login to onTrack and easily upload the required documents. Plus, you can track your application through to approval.
Settle & save
Our innovative online process gets you to settlement quickly, so you can start saving thousands sooner.
Common home loan questions
- 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)
Once your loan application has been submitted, you will be given access to our online portal onTrack. In onTrack, we will collect some more information from you and you can track your application. When your loan settles, you will be given your referral code in onTrack.
You can refer as many people as you like!
How it works
Whether you’re looking for the your dream home or investment property at a low rate or simply want to stop paying too much on your existing home loan, we’re here to make it easy for you.
Here’s the step-by-step process on how you can get a home loan to buy your dream home or investment property.
Are you ready to pay your loan off sooner and own your own home? Here’s how you can.
Wanting to build your own property or make extensive renovations? We’re here to help, so here’s how it works.
The process and procedures are really clear and helpful
Our loan manager Ray is very productive and professional, he gave us all the advice we need and help us to purchase next home. Well done Ray, thanks for your help and efforts. Settlement team always works closely with us, the process and procedures are really clear and helpful. You are always my first choice. Many thanks.
November 19, 2021
Always a great experience
Always a great experience. A huge thank you to Ray who does such an amazing job, his knowledge, care and customer service skills are second to none!
October 26, 2021
We had a great end to end experience
Please send our thanks to Ray he was very informative, friendly and clearly cares about his customers. We had a great end to end experience and quick turnaround and kept informed! Highly recommend 😊
October 21, 2021
Calculate your home loan repayments
We’ve put together handy guides for everything you need to know when it comes to getting a home loan, so all the information is here in one place.
Guide to buying your first home
Buying a first home is one of the biggest financial decisions of anyone’s life. Follow the steps to assist you in achieving your first home ownership.
Here are the main ‘numbers’ you should stick in your mind before and after you apply for a home loan, such as the interest rate, loan term and your loan’s LVR.
Lenders Mortgage Insurance (LMI) is a tool used by lenders to reduce their risk in cases of where borrowers have smaller sized deposits to put down in their loan.
Get to know your new neighbourhood before you buy. So before you sign a property contract, here's what you can do to research in finding the right suburb.