Buy a home
Fixed Rate Loan (Special)
We’re here to make things easier for you with a home loan that saves you more.
There are a few things to consider when buying your home, like deciding whether you want to live in your new home or keep it as an investment property and rent it out.
Whether you are upgrading or downsizing, we’re with you every step of the way.
We’re here to help you understand your options, so you can make the right decisions when it comes to buying your home.
Our home loans
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? |
Your property report
Here’s what you’ll get in the loans.com.au free property report.
The report contains:
A list of the recent sales of properties similar to the one you are looking at.
A list of properties currently on the market, similar to the one you are looking at.
An estimation of the value of the property.
Why choose loans.com.au to help you buy your home?
Low interest rates
As an online lender, we offer lower interest rates and fees which means you can save more when buying your home.
Flexible options
Looking to save with an offset, or make extra repayments with a redraw? We have a full range of loan options to lifestyle.
Award winning
We’re award winning, so that’s a win for you too. As a customer you’ll enjoy the benefits of our award-winning home loans.
Fast pre-approvals
Apply online or chat to one of our Australian based lending specialists for a quick pre-approval decision and easy application.
As seen on...
"We found that loans.com.au still had a very competitive rate and we were happy with the service"
Laura
Home loan customers
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.
Our home loan application process
Application
Simply fill out your home loan 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.
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.
Speak to specialist
You will then have an appointment with one of our lending specialists to organise your preliminary approval of your loan, and help you progress through the home loan approval process through to settlement as quickly as possible.
Signing document
Check onTrack to received your final approval, mortgage documents and loan agreement. You must sign these and return them in to onTrack.
Settlement
Your loan will settle and you’ll start saving with your new loan rate, and get your keys to your new dream home!
Access your account
Once settlement is complete, we will send your login credentials to start managing your payments in the Smart Money app.
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.
Common home loan questions
Selling your old house before buying a new one gives you the luxury of time. However, selling first does mean you’ll need to quickly find accommodation once your home has sold.
Buying first is a great option for those who have little ones or elderly loved ones, as you will have already found a place to move your family. However, you must be financially stable enough to cover the costs of loan repayments for both properties for however long it takes to sell your old property.
Unlike many other lenders, we charge no monthly, annual or ongoing fees. The only fees you will pay on your home loan are a one-off $300 settlement fee plus a security assessment fee, which for a standard property in a metropolitan area in a major city starts at $230 for properties valued up to $1 million.
You have the option to add a 100% offset sub-account to your loan. Many people choose to do this to help pay their home loan faster and save thousands on interest payments. For an extra 0.10% to the loan, you can add a 100% offset sub-account with online, ATM, EFTPOS & Visa debit card access to your money, plus unlimited free redraws. For more information on adding an offset, click here.
You can use our equity calculator to calculate your usable equity and find out how you can use it to help finance the purchase of your next home. Calculate your equity here.
Simply fill out your application online by entering some of your details here.
Alternatively, chat to one of our friendly lending specialists on 1300 471 681 and they can complete your application for you.
After your application is complete, use our app onTrack on your desktop or device to add your documents such as payslips, and details of your existing loan. In the onTrack app, you can track the progress of your application. For more information for documents required for a home purchase or build:
What documents do I need to buy or build a home in Australia?
We can provide approval for applicants in as little as 2-3 days, pending the customer's individual circumstances and all correct documentation has been provided. It's important to note that this is not a 'one size fits all' number, and the approval time will depend on each individual applicant's circumstances.
We'd always advise our customers to have the right documentation ready at application stage, so you can move forward with your application as quickly as possible. For more information for documents required for refinancing:
What documents do I need to refinance my home loan?
And for more information about documents required for a purchase or build:
What documents do I need to buy or build a home in Australia?
A property report is helpful if you're looking to purchase a new property, know the address and want to determine if it’s the right property for you, or potentially in a high growth area.
Our property reports provide information such as Estimated property value, Property mapping, Properties sold in the area, Market comparison, Median sale prices in the area and Suburb insights.
You can get your dream home at a great low home loan rate because of our online model. We don't have to pay for branches or broker commissions, which means we are able to pass our savings directly on to you through low home loan rates and and no ongoing, annual or monthly fees.
Homebuying Checklist for First-time Buyers
Buying a home for the first time can be overwhelming. It’s important to get all your tasks sorted so nothing falls through the cracks. To help you out, we’ve created this useful checklist for first-time home buyers.
Does paying your mortgage weekly or fortnightly save you money?
Choose whether to make repayments on a weekly, fortnightly, or monthly basis. Find out how to save some money on your home loan repayments.
What is the average house price in Australia?
The steadily growing house prices can be attributed to several factors including inflation, population growth, supply and demand, interest rates, and tax policies, to name a few.