dream home loan variable

hot summer rate


  • 4.49%
    variable rate p.a. (80% LVR)
  • 4.51%*
    comparison rate p.a.
Offer extended - last days

Apply online today      Do you qualify?

Super savings

Borrow up to 80% of the property value

At loans.com.au, we give you more ways to save, with a low rate, low fees and low ongoing costs. Our dream loan variable home loan rate is one of the lowest, starting at just 4.49% p.a. with a 4.51% p.a. comparison rate when you borrow up to 80% of your property value.

But the savings don’t stop there. There is also no application fee, no monthly fees, no establishment fees and no ongoing fees. Nada!

Easy access

Super savings are just a small part of our variable home loan. You also have greater access to your money through our Everyday Offset that offers unlimited free redraws with no minimum. And access to your moolah is available 24/7.

Get online at any time or from anywhere to manage things like loan transactions, statements, redraws and bill payments. You’ll also have a Visa debit card to buy stuff and take out money around the globe, with the security of the Visa network.

More for you

Our home loans give you more for less, and with greater flexibility. Check out these other really cool features designed to help you pay off your home quickly and easily.

You can choose from weekly, fortnightly, or monthly repayments and up to 10 years of interest only is also available. You get up to 5 free loan splits and the option to split between fixed and variable. You can also make unlimited additional repayments.

Hot summer rate features 

  • Everyday offset - no monthly fees, no setup fees, no minimum withdrawal or redraw fees and unlimited access to your funds

  • Comes with a Visa debit card

  • Borrow up to 80% of your property value – 4.49%pa 4.51%pa comparison*

  • Unlimited free redraws with no minimum redraw amount

  • Up to 10 years interest only option available

  • Owner occupier and investor

  • Split loan facility – Up to 5 free splits. Fixed or variable split options available.

  • Available for purchase and refinance

  • Unlimited additional repayments

  • 24/7 unlimited access to your account online and by phone

  • Weekly, fortnightly and monthly repayment options


Fees & costs

Monthly fee


Annual fee


Application fee


Settlement fee


Discharge fee


Government and third party costs


Valuation fee

$220 or at cost

Government fees and charges

at cost

Discharge outlays

at cost


Work out your repayments

What is loans.com.au? 

Well, one of the easiest ways to describe what we do, is to tell you what we’re not. So here goes. We’re not a big bank with thousands of staff who seem to like nothing better than passing customers onto someone else. And no, we don’t have hundreds of fancy branches in expensive locations.

We’re a purely online lending company with easy to understand and really competitive products designed to make life simpler. We’re able to do all this by being backed by Firstmac, one of Australia’s leading wholesale lenders with over 32 years experience and $5 billion in mortgages under management. 

Find out more about us

A proudly Australian 'non bank'

Just because we’re an online lender, doesn't mean that we don't offer great personal service. In fact, it’s quite the opposite. Our experienced team of lenders helps hundreds of customers each day across the country from our Australian call centre in Brisbane.

When you apply online you’re assigned your own personal lending manager who is your single point of contact for the whole process. They’re with you all the way through to settlement. It makes it easier for you, and for us, since you don’t have to retell your story to someone new each time you call. 

100% online means you save

Being an online lender means we can keep things super simple, so that you save. Like most things online, our products are usually a lot cheaper, because we don’t have all the overheads of an expensive branch network.

Being lean has helped us create loans with some of the country’s most competitive rates, while keeping all the important features you need. But we’re not just about cheaper rates.

We want to really shake things up in the lending industry by challenging the status quo and by bringing back greater competition.