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

 
  • Unlimited free redraws with no minimum redraw amount
  • No monthly or ongoing fees
  • Unlimited additional repayments

Loan amount

$
 
Monthly repayments#
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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
  • Unlimited additional repayments
  • 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.

 

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 228 reviews.
As rated by our settled customers

READ MORE REVIEWS

Nothing else to ask for
Thorough, simple and well managed process. Best rate in the market as well. What else could you ask for with the biggest investment of your life.

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

Ojaswi S. - Doreen, VIC
December 01 2017

Happy throughout the process
I will recommend loans.com.au to anyone. I was happy right through to the settlement day for what they have provided me with. To this day I am happy with their efficient and quick service. I will recommend it.

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

Safur R. - Byford, WA
November 28 2017

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