Essentials
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A streamlined low-rate, low-fee home loan product.

 
  • $0 Monthly fee
  • $0 Annual fee
  • $0 Redraw fee
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Loan amount

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Get started now and pre-qualify

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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. Our process is simple 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.

Meet some of the team

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

Customer reviews

  • 4.9
  • Value for money Customer service

(Based on 246 reviews. As rated by our settled customers)

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Happy how simple it was

The Team were great to deal with. They treated me like a partner and I really enjoyed the experience. Regardless of which team I spoke to - Sales or Customer Care - they quickly and efficiently picked up from each other. I really felt valued through the whole process. The website was easy to use, straight forward, hassle free, logical and simple.

- Stephen D. Shell Cove, NSW , May 29 2018

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

User friendly online process

Actually enjoyed the online process, was made very simple and user friendly. Had fantastic staff to deal with.

- Angela H. Kyabram, VIC , May 21 2018

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

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