Essentials
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A streamlined low-rate home loan.

 
  • No ongoing fees
  • Unlimited redraw
  • Smart Money app
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Loan amount

$
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Get started now and pre-qualify

$

Smart Loan Package

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

3.97%

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

3.99%

Comp rate p.a.*

$1,902.75

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

It’s smart to save thousands on your home loan


The Essentials is our super-low rate loan that will save you money on interest and fees.

It’s easy to apply online or speak to one of our Australian based loan specialists who will take care of all the paperwork for you. Applying is easy and we can settle your loan quickly so you start saving sooner. With loans.com.au you can have confidence in dealing with Australia’s largest non-bank lender.

Purchase with Confidence

Designed for you to make your home loan journey quick, simple, and reliable.

Checklist for Buying an Investment Property

Investing in the right property can be a good strategy to grow your wealth. But keep in mind that property investment does not mean instant riches. 

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The Benefits of Buying an Investment Property

If you’re looking to finally invest in real estate today, here are the top benefits of investing in a property in Australia.

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When an Offset is NOT worth it?

An offset is a great feature for some borrowers but like most benefits, it comes at a price. To work out if you need one, you first need to understand what an offset is and how it can save you money.

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Meet some of the team

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

 
Call us on
13 10 90
or
Request A Call
7am - 7pm, Monday to Friday. AEST