Compare our lowest home loan rates - loans.com.au

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$

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Deposit

$50,000 is our minimum borrowing amount for a home loan.

$2,000,000 is our maximum borrowing amount for a home loan.

$1,000,000 is our maximum borrowing amount for a construction loan.

The maximum borrowing amount for a deposit less than 20% is $1,000,000

Home Loan

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Variable Interest Rate*

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Comparison Rate*

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Monthly Repayments^#

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Monthly/Annual Fees

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Redraw Offset Facility

Redraw

Additional Repayments

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Award winning home loans

2019 Mozo Expert's Choice Best New Feature

2019 Mozo Expert's Choice Low Cost Home Loan

2019 CANSTAR 5 Star Rating Outstanding Value

Award winning home loans

2019 Mozo Expert's Choice Best New Feature

2019 Mozo Expert's Choice Low Cost Home Loan

2019 CANSTAR 5 Star Rating Outstanding Value

It's as easy as
1, 2, 3...

Apply 1

onTrack to approved 2

Settle & save 3

most popular

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Variable Interest Rate*

{{cardData["Product-Highlight"]["InterestRate"]}} ^% _p.a

Comparison Rate*

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Monthly Repayments

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Monthly/Annual Fees

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Visa Debit Card

Offset Facility

Redraw Facility

Additional Repayments

Do I qualify? View Product

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{{cardData["Product-Left"]["Description"]}}

Variable Interest Rate*

{{cardData["Product-Left"]["InterestRate"]}} ^% _p.a

Comparison Rate*

{{cardData["Product-Left"]["ComparisonRate"]}} ^% _p.a

Monthly Repayments

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Monthly/Annual Fees

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Visa Debit Card

Offset Facility

Redraw Facility

Additional Repayments

Do I qualify? View Product

{{cardData["Product-Right"]["DisplayName"]}}

{{cardData["Product-Right"]["Description"]}}

Variable Interest Rate*

{{cardData["Product-Right"]["InterestRate"]}} ^% _p.a

Comparison Rate*

{{cardData["Product-Right"]["ComparisonRate"]}} ^% _p.a

Monthly Repayments

{{cardData["Product-Right"]["MonthlyRepayment"]|currency:"$":0}}

Monthly/Annual Fees

{{cardData["Product-Right"]["MonthlyAnnualFees"]|currency:"$":0}}

Visa Debit Card

Offset Facility

Redraw Facility

Additional Repayments

Do I qualify? View Product

Award winning home loans

2018 Mozo Expert's Choice Home Loan Awards

2018 Mozo Expert's Choice Home Loan Awards

2018 CANSTAR 5 Star Rating Outstanding Value

Award winning home loans

2018 Mozo Expert's Choice Home Loan Awards

2018 Mozo Expert's Choice Home Loan Awards

2018 CANSTAR 5 Star Rating Outstanding Value

It's as easy as 1, 2, 3...

Apply 1

onTrack to approved 2

Settle & save 3

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3 steps to secure your home loan

Borrowing with loans.com.au is quick,simple and personal. Our Australian-based lending managers will help you apply for a loan with no hiccups. Go from application to settlement in three easy steps.

1

2

3

1

Apply

Apply online or on the phone with one of our Australian-based loan specialists.

2

onTrack to Approved

It is easy for you to track your application to approval, receive your loan documents and set up online services with our award winning onTrack app.

3

Settle and Save

We do everything required for the loan settlement, so you can start saving money.

Online doesn't mean impersonal, let's talk!

Aimee has been with loans.com.au for over five years. As an experienced Senior Support Officer, Aimee can answer all your questions and help you start saving sooner.

Refinance your home loan online today - speak to one of our friendly and experienced support team members, like Aimee, to find the right low-rate loan package for you.

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Home loan guides

How to get home loan pre-approval

Knowing you have your home loan means you are free to shop around for your dream property. Get home loan pre approval with loans.com.au online.

Use the equity in your home to buy another home

If you're thinking about how to finance a second property, did you know you can unlock your existing home equity to do so?

Understanding equity in your home

Equity is an important asset for every homeowner as it can be beneficial in many ways. You may be able to use your equity to improve your lifestyle.

How to apply for a home loan

If you're thinking about taking the plunge into home ownership, here's what you need to know about how to apply for a home loan.

Home loan features explained

The interest rate isn’t the only thing you should consider when looking for a home loan. Here are some home loan features you should know about.

Guide to variable, fixed and offset home loans

Variable, fixed and offset - understanding your home loan options is the first step to finding the best home loan for you.

How to save up for a home loan deposit

Saving up enough money for a house deposit can seem like an insurmountable task. But it's not impossible - it just requires discipline and lots of saving

Everything you need to know about mortgages

It is very important to understand mortgage before choosing the home loan that is right for you. Here you can find out how mortgage works.

Owner-occupied vs investment property

What’s the difference between an owner-occupied home loan vs an investment home loan? Read this article to find out.

Home loan application checklist

Follow our handy home loan documentation checklist to speed up your loan application process.

Understanding your mortgage payments

Did you know that when you take out a mortgage, you can choose how often you wish to make repayments on your loan?

Australian home loan calculator

Home loan calculator is the easiest and quickest way to help you get a better understanding of what your loan repayments will be.