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Our home loans

  • Discounted home loan rate
  • Offset sub-account available for +0.10%^
  • 10% deposit minimum
Rates from***
6.04
%
p.a.
Comparison Rate*
6.06
%
p.a.
Monthly repayment#
$3,011
Rates from***
6.04
%
p.a.
Comparison Rate*
6.06
%
p.a.
Monthly repayment#
$3,011

Monthly repayment#
$3,011
  • Discounted green home loan rate
  • Offset sub-account available for +0.10%^
  • 10% deposit minimum
Rates from~~
5.99
%
p.a.
Comparison Rate*
6.51
%
p.a.
Monthly repayment#
$2,995
Rates from~~
5.99
%
p.a.
Comparison Rate*
6.51
%
p.a.
Monthly repayment#
$2,995

Monthly repayment#
$2,995
  • Discounted solar home loan rate
  • Offset sub-account available for +0.10%^
  • 10% deposit minimum
Rates from~~~
5.99
%
p.a.
Comparison Rate*
6.51
%
p.a.
Monthly repayment#
$2,995
Rates from~~~
5.99
%
p.a.
Comparison Rate*
6.51
%
p.a.
Monthly repayment#
$2,995

Monthly repayment#
$2,995
  • $5,000 interest free Visa debit card
  • Unlimited free redraw
  • 20% deposit minimum
Rates from*
6.44
%
p.a.
Comparison Rate*
6.46
%
p.a.
Monthly repayment#
$3,141
Rates from*
6.44
%
p.a.
Comparison Rate*
6.46
%
p.a.
Monthly repayment#
$3,141

Monthly repayment#
$3,141
#Based on the dollar value represented in the search fields with P&I repayments and a 30 year loan term.
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

Ready to buy your next home?

There’s a few things to consider when buying your next home, like deciding whether you want to keep your current home as an investment property, or sell it to fund your next purchase. We’re here to help you understand your options, so you can make the right decisions when it comes to buying your next home.

If you're ready for a new home but don't quite want to give up your existing home, you could keep your existing home and transform it to an investment property. Use our equity calculator to calculate what useable equity you have in your existing property that could be used as a deposit to fund the purchase of your next home.

Alternatively, if it's time to say goodbye to your home, find out if you should buy first or sell your existing home first. We can even help out with some tips on selling your home.

If you’re ready to buy immediately and know the address of the home you want to buy, you can get ahead on your research and download a free property report.

No matter which way you go, we’re here to help.

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Why choose loans.com.au to help you buy your next home?

Low interest rates

Being an online lender with fewer overheads means we’re able to pass on the savings to our customers.

Australian based

Get help when you need it from our friendly team of Australian based, lending specialists.

Flexible options

Looking to save with an offset, or make extra repayments with a redraw? We have a full range of loan features to suit your situation.

Award winning

We keep on winning awards for our products, innovations and customer service, year after year!

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.

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

$279.21
$50,000
$50,513

Calculator assumptions

Get started

Ready to buy your next home? Simply apply online or chat to a lending specialist and they can do the hard work for you. We make the process easy so you can settle sooner.

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Talk to a lending specialist

Book a call with one of our experienced lending specialists and they can complete your application for you.

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Ready to apply?

Call 13 10 90 or select "Apply Now" to begin your online Home Loan application.

Get free property & suburb insights

To help you find the perfect home, we'd like to give you a free loans.com.au Comparative Market Analysis (CMA) property report, a breakdown of information about the property you are considering, including previous sale prices.

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Estimated property value

An indication of how much the property is worth, based on factors including recent sale prices for comparable properties in the area.

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Property mapping

An aerial photo of the property and its immediate surrounds, plus maps of the street & the property in relation to points of interest and facilities.

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Properties sold in the area

You will be able to see details of recently-sold properties in the area including the date they were sold, land size, number of bedrooms, number of bathrooms and garage size.

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Market comparison

Detailed information about nearby properties currently listed for sale or recently sold, including their first and last advertised price and days on the market.

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Median sale prices in the area

The median sale price for homes in the area and how it has changed each month in recent years.

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Suburb insight

Information about the suburb's demographics, such as household occupancy, household income and household structure.

Useful Resources

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BUYING

Guide to buying your next 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..

 
How it works - Home Loans - Purchase
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