Low-Rate Essentials

A streamlined low-rate, low-fee loan.


  • 3.64%
    variable rate p.a.*
  • 3.66%
    comparison rate p.a.*

Essentials home loan features

  • 2017 CANSTAR 5 Star Rating for Outstanding Value- Variable Home Loan - Owner Occupied
  • Unlimited free redraws with no minimum redraw amount
  • No monthly or ongoing fees
  • Unlimited additional repayments
  • Split loan facility – up to five free splits with fixed rate or identical variable loan product ^
  • 24/7 unlimited access to your account online and by phone
  • Interest only option available
  • Weekly, fortnightly and monthly repayment options

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


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.

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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 2017 and 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.

Our 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.

Buying a house: How to negotiate the right way

When it comes to buying a house, good negotiating skills could save you tens of thousands of dollars.

The key is to stay calm, be respectful, and keep your wits about you.

Here are our top negotiation tips to get the house you want for less.

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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