Looking for a real good home loan?
Highly competitive rates, additional payments and 24 hour approval.
4.5 453 reviews
Our home loan interest rates
Home Loan | Interest Rate | Comparison Rate | Monthly Repayment | Product Features | Details |
---|---|---|---|---|---|
3 Year Fixed (Special)Owner Occupied • Principal & Interest • Up to 90% LVRMost Popular
|
5.69% p.a. | 6.16% p.a. | $2,899 |
|
Do I Qualify? |
Variable Home LoanOwner Occupied • Principal & Interest • Up to 90% LVR |
6.04% p.a. | 6.06% p.a. | $3,011 |
|
Do I Qualify? |
Green Home LoanOwner Occupied • Principal & Interest • Up to 90% LVR |
5.99% p.a. | 6.51% p.a. | $2,995 |
|
Do I Qualify? |
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Ready to start saving on your home loan?
You'll be taken to the pre-qualify page where we get you into seeing if you’re eligible for a loan.
"We found that loans.com.au still had a very competitive rate and we were happy with the service"
Laura
Home loan customers
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“Super grateful to Emira and the team. Great, timely feedback mechanisms with clear guidance on processes. They went all out to support us throughout the application - much appreciated!„
“Highly recommended using them to my friends and family and to all reading the reviews. To all the team outstanding and thankyou for your help.„
“I am very happy with the simple products that loans.com.au. Sharon was the lending manager who assisted me through the application. Sharon was very helpful to solve my problems and get the loan approved.„
“Really quick and painless experience getting a loan approved for my new car. Matt was great, professional demeanor, friendly and eager to help.„
“Ai Chi Hinh is an outstanding professional who genuinely cares for her clients. Her ability to listen and her problem-solving skills are truly commendable. I am grateful for her support and expertise during a challenging time.„
“Kimberley was wonderful, very informative, and patient. Communication was on point and all-around professional and friendly throughout the process.„
“Great rates, easy to use, simple process. Got what I needed very quickly„
“I switched my home loan from a big bank to Loans.com.au and was pleasantly surprised by their competitive rates and sleek web banking platform.„
“My experience with loans.com.au was more than exceptional. Ray was nothing short of amazing throughout this process. I highly recommend loans.com.au!„
“This is a very good organization. Less than a week turnaround, and they were very professional and polite. I recommend this business.„
“By far the best lender I've ever dealt with. Sooooo much better than any of the big 4. Easy application process and great customer service.„
“It is great experience working with Sonia from Loans.com.au. She is very knowledge, good communicator, follow up and responds quickly which helped to get the approval in few days exceeding my expectation.„
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Our home loan application process
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.
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.
Settle
Your loan will settle and you'll start saving with your new low rate, and get your keys to your new dream home!
onTrack
Fast track your loan with onTrack
- Gain 24/7 control of your application
- Get alerts straight to your phone
- Easy to download mobile app
Access at your fingertip
You now have access and complete clarity of your loan application on-the-go with onTrack mobile.
The easy to use mobile app will keep you up-to-date with the progress of your loan anytime, anywhere with alerts straight to your phone. It's now even easier to get your loan approved and settled fast, no matter where you are.
Frequently Asked Question
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.
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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)
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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.
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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.
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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.
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Meet the team who’ll start saving you thousands
We have a friendly team of Australian-based lending experts here to help you from application to settlement, so you can get a better loan and start savings thousands.
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Real Good Rewards
As a loans.com.au customer, if you refer a new customer to us we’ll reward you.
Ready to Start Saving?
You'll be taken to the pre-qualify page where we get you into seeing if you’re eligible for a loan.
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