Essentials
Rates from
3.64%
Variable rate p.a.*
3.66%
Comp rate p.a.*

A streamlined low-rate, low-fee home loan product.

 
  • Unlimited free redraws with no minimum redraw amount
  • No monthly or ongoing fees
  • Interest only option available


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Loan amount

$
 
Monthly repayments#
0,000  

Best rates and online services

Rates are the best around and the online services were top notch. The lending managers were very helpful and informative. Will recommend this to anyone who's looking to take out a loan!

Andrew K.
2017
Melbourne, VIC


 

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.

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 Redraw fee
  • $0 BPAY fee

 

A smarter way to get from loan application to settlement

At loans.com.au, we believe applying for a home loan should be a speedy and hassle free process. OnTrack allows you to quickly get your loan through to approval and settlement while we do the heavy lifting for you behind the scenes.

 

LEARN MORE

Calculators

Borrowing power

Find out how much you can borrow based on your income and expenses.

USE CALCULATOR

Loan repayments

Shows how your mortgage repayments will vary depending upon the size, interest rate and duration of your loan.

USE CALCULATOR

Stamp duty costs

Works out how much stamp duty you'll have to pay depending on the property’s value and location. 

USE CALCULATOR

Meet some of the team

Our friendly, Australian, Lending and Customer Care experts will ensure you have a quick and hassle-free experience.
 

Customer reviews

Value for money: 4.9/5
Customer service: 4.9/5

Based on 178 reviews.
As rated by our settled customers

READ MORE REVIEWS

Simply the best
Simply the best value loans available in the market today.

Value for money: 5/5
Customer service: 5/5 Recommend to a friend?: Yes

Lance M. - Melbourne, VIC
June 23 2017

It was a painless journey
The whole process was painless and easy to manage. Would definitely recommend.

Value for money: 5/5
Customer service: 5/5 Recommend to a friend?: Yes

Ben M. - Evanston Park, SA
June 21 2017

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