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 195 reviews.
As rated by our settled customers

READ MORE REVIEWS

I saved money on my loan
I am very happy to be one of your customers and save money on my loan. Everyone was very helpful. I was very happy with customer service I received.

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

Maria I. - Lilydale, VIC
August 09 2017

Investment loan with great rate
What a brilliant experience. Got a great rate and our first investment loan. Highly recommend!

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

Nicholas F. - Diamond Creek, VIC
August 03 2017

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