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Buy a home

A home loan that saves you more when you are buying, upsizing or moving into a smaller home.
Multi-award winning
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Fixed Rate Loan (Special)

5.69
%
p.a
Rates from*
6.16
%
p.a
Comparison rate*
1 to 5 year fixed terms
Split with variable rate
Up to $10,000/yr extra repayment/year
90 day rate lock option available
No monthly or ongoing fees
Access your account via Smart Money app
Our Google Rating
4.5
453 reviews

Our home loans

Loan reasons
Loan type
Home Loan Interest Rate Comparison Rate Monthly Repayment Product Features Details

3 Year Fixed (Special)

Owner Occupied Principal & Interest Up to 90% LVR
5.69% p.a. 6.16% p.a.  $2,899
  • 3 year fixed term
  • 10% deposit minimum
  • 90 day rate lock option available*^
  • No monthly or ongoing fees
  • Up to $10,000 extra repayment/year
  • Split with variable rate
Do I Qualify?

Variable Home Loan

Owner Occupied Principal & Interest Up to 90% LVR
6.04% p.a. 6.06% p.a.  $3,011
  • Discounted home loan rate***
  • 10% deposit minimum
  • Offset sub-account available for +0.10%^
  • No monthly or ongoing fees
  • Fee free redraw on any additional repayments
  • Pay your bills via BPAY
Do I Qualify?

Green Home Loan

Owner Occupied Principal & Interest Up to 90% LVR
5.99% p.a. 6.51% p.a.  $2,995
  • Discounted 5yr green home loan rate~~
  • 10% deposit minimum
  • Offset sub-account available for +0.10%^
  • No monthly or ongoing fees
  • Fee free redraw on any additional repayments
  • Pay your bills via BPAY
Do I Qualify?
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

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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.

Get ahead with the right home loan

Get a pre-approval decision quickly.

Our home loan application process

1
Application

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.

2
onTrack

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.

3
Speak to specialist

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.

4
Signing document

Signing document

Check onTrack to received your final approval, mortgage documents and loan agreement. You must sign these and return them in to onTrack.

5
Settlement

Settlement

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

6
Access your account

Access your account

Once settlement is complete, we will send your login credentials to start managing your payments in the Smart Money app.

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.

Get ahead with the right home loan

Get a pre-approval decision quickly.

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