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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.

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

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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.

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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.

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

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Smart Booster Home Loan
  • 2.10%
    discount var rate p.a.~
  • 2.46%
    comparison rate p.a.*
SPECIAL OFFER

Get our lowest rate ever with the option to add an offset sub-account.

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Smart Booster Investor Bundle
  • 2.24%
    discount var rate p.a.+
  • 2.96%
    comparison rate p.a.*
SPECIAL OFFER

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 2.24%+ for both.

Our owner occupied variable rates

Product Name

LVR

Principal & Interest rate p.a

Interest only rate p.a

Smart Booster Home Loan
Discount Variable - 2 year~
LVR

Up to 80%

Principal & Interest rate p.a

2.10% pa

2.46% pa comp rate*

Interest rate only

-

-

Smart Home Loan**
LVR

Up to 80%

Principal & Interest rate p.a

2.73% pa

2.75% pa comp rate*

Interest rate only

3.04% pa

3.06% pa comp rate*

 
LVR

Up to 90%

Principal & Interest rate p.a

3.04% pa

3.06% pa comp rate*

Interest rate only

-

-

ZIP Home Loan
LVR

Up to 80%

Principal & Interest rate p.a

2.98% pa

3.00% pa comp rate*

Interest rate only

-

-

Our investor variable rates

Product Name

LVR

Principal & Interest rate p.a

Interest only rate p.a

Smart Booster Investor Bundle
Discount Variable - 1 year+
LVR

Up to 80%

Principal & Interest rate p.a

2.24% pa

2.96% pa comp rate*

Interest rate only

2.24% pa

2.96% comp rate*

Smart Investor^^
LVR

Up to 80%

Principal & Interest rate p.a

2.99% pa

3.01% pa comp rate*

Interest rate only

3.24%

3.26% comp rate*

 
LVR

Up to 90%

Principal & Interest rate p.a

3.24% pa

3.26% pa comp rate*

Interest rate only

3.44%

3.46% comp rate*

Why choose loans.com.au?

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.

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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.

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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.

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Flexible options

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!

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Award winning

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!

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Hassle free

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.

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onTrack advantage

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.

Read some of our real good feedback.

Lawrence I.

April 28, 2022

Garth W.

April 25, 2022

Melanie F.

April 22, 2022

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

$72.43
$20,000
$6,076

Calculator assumptions

Our process

loans.com.au makes refinancing simple so you start saving thousands on your investment property sooner. Here’s how.

Apply Online Apply Online

Application

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.

What you do

Contact you at a time that works for you to discuss the information you provided or complete your application for you

What we do

Contact you at a time that works for you to discuss the information you provided or c

onTrack

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.

What you do

Log into onTrack
Upload supporting documents

What we do

Verify your information

Settlement

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

What you do

Get the keys to your new home
Start saving!

What we do

Once settlement is complete, we'll send you login credentials to Smart Money

Apply Online

Common home loan questions

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)
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.
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.
To apply for any of our loans, visit: https://www.loans.com.au/apply or call 13 10 90 and one of our lending specialists can help, or even complete the application for you.
You have the option to add an offset sub-account to our Smart Home loan at an additional cost. For more info on this, please call one of our lending specialists on 13 10 90.
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.
We charge a $300 settlement fee plus a valuation fee. The valuation fee for a standard property in a metropolitan area in a major city starts at $220 for properties valued up to $1 million. The valuation fee is not refundable and is payable when the valuation is ordered.
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 give you a $450 bonus when they settle their loan with us! They will also get $150 off their settlement fee.

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

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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Ready to get started?

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