Essentials
Rates from
4.09%
Variable rate p.a.*
4.11%
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  

Arranging my second loan

Happy with loans.com.au. Now setting up my second loan.

Sanjiv S.
2017
Ingle Farm, SA


 

Smart Loan Package

Package your owner-occupied loan with your investment loan and enjoy low rates for both.

Rates from

3.89%

variable rate p.a.* (80% LVR)

3.91%

Comparison rate p.a.*

$1,884.38

minimum monthly repayments

This calculation is based on a $400,000 loan over 30 years and includes principle & interest. This may not be your actual repayment.

  • Great low rate on investment loans when you package with your owner-occupied loan
  • Interest only option available
  • No monthly or ongoing fees

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.

 

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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 210 reviews.
As rated by our settled customers

READ MORE REVIEWS

Happy with efficient service
Fast and efficient. Willing to increase loan when my car died soon after initial settlement. Very happy.

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

Suzanne R. - Upper Kedron, QLD
September 28 2017

Loans.com.au exceeded our standards
All our expectations were exceeded by loans.com.au and we would strongly recommend them to all home loan buyers. We are very happy indeed and could not find any negatives. Before loans.com.au we researched many lenders and none of them met our standards. The best customer service, loan limit and interest rate in the market that we found.

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

Suraweera M. - Avoca, QLD
September 28 2017

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