Low-Rate Essentials

A streamlined low-rate, low-fee loan.

  • 3.59%
    variable rate p.a.*
  • 3.61%
    comparison rate p.a.*
$

Save thousands on your mortgage


The Essentials is a no-bells-and-whistles loan with a super-low rate, unlimited additional repayments and free redraws.

Home buyers and refinancers
The same rate applies whether you are buying a new home or looking to reduce your monthly repayments by refinancing.

If you are looking for a simple, low-rate home loan that will save you money on interest and fees, then this is the perfect loan for you!


Low fees
The streamlined Essentials loan also saves you money with no ongoing fees:
  • $0 Monthly fee
  • $0 Annual fee
  • $0 Application fee 

 

Essentials home loan features

  • Redraw facility with no minimum 
  • 24/7 access to your account
  • No monthly or ongoing fees 
  • Weekly, fortnightly and monthly repayment options
  • Split loan facility – up to five free splits with fixed rate or identical variable loan product ^
  • Additional repayments on variable rate loans
  • Interest only options are available
  • Available for owner occupied, P&I loans with a maximum LVR of 80%

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

Brodie has been with loans.com.au for over four years. As an experienced Lending Manager, Brodie can answer all your questions and help you start saving sooner.

Speak to one of our friendly and experienced Lending Managers, like Brodie, to find the right low rate loan package for you. Call 7am - 7pm Monday to Friday.

arrange a call

Features, rates & fees brochure

Get all the information you need on different loan features, rates & fees in this easy-to-read loans guide.

From streamlined packages to fully-featured loans, you will find the low-rate home loan to suit your lifestyle.

view brochure

Fees & costs

Our fees & costs
Monthly fee: $0
Annual fee: $0
Application fee: $0
Settlement fee: $300
Discharge fee: $300
Discharge documentation fee: $250
Government and third party costs
Valuation fee (may be higher in some cases): $220 or at cost
Government fees and charges at cost

Our awards

In 2016, loans.com.au has received 5 star ratings for our variable rate home loans from Canstar. We also were named the 2015 Home Lender of the year in Mozo's Expert Choice Award plus many others, including Money Magazine's Cheapest Home Loan - Non-bank two years in a row.

See all our awards

Receive a free loans.com.au property report

To help you find the perfect home, we’d like to give you a free loans.com.au Comparative Market Analysis (CMA) property report.

ur reports provide a breakdown of information about the property you are considering, including previous sale prices.

It also offers valuable information about the area, such as median house prices, recent sales figures, and the local community demographics.

How to avoid the Christmas debt hangover

Does your New Year usually start with a resolution to pay off all the debt you racked up during the Christmas shopping season? If so, you’re not alone.

Christmas is a very expensive time, with feasting, vacations, and presents to buy.

We list top six tips to avoid a Christmas debt hangover. Find out how to act, plan ahead your activities and save for your big expenses this holiday season.

Fast track your application

If you're ready to move fast on your home loan, we can get you there with our speedy, hassle-free online application process.

Get your loan from approval to settlement quickly with onTrack, giving you control over your application, 24 hours a day, 7 days a week.

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