Essentials
Rates from:
  • {{bannerData.InterestRate}} % p.a {{bannerData.RateType}}*
  • {{bannerData.ComparisonRate}} % p.a Comparison rate*

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#
{{bannerData.MonthlyRepayment | currency : "" : 2}}

Get started now and pre-qualify

$

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.

Meet-some-of-the-team

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.

VIEW ARTICLE

The Benefits of Having 80% LVR

Even though you don’t need a huge deposit to take out a home loan, having a larger deposit has many advantages.

VIEW ARTICLE

How To Research A Neighbourhood Before You Buy

While it’s possible to do your own online research about a neighbourhood, nothing can beat seeing the neighbourhood with your own eyes. 

VIEW ARTICLE

Customer reviews

  • 4.9
  • Value for money Customer service

(Based on 243 reviews. As rated by our settled customers)

READ MORE REVIEWS

Loans.com.au is amazing

Always amazing to speak to and always so helpful. We are telling all our friends about you!

- John K. Camira, QLD , May 08 2018

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

Dealing with a loan specialist was amazing

From start to finish your team was amazing, keeping us informed all the way through and letting us know what documents we needed to provide. Also, dealing with one loan specialist who looked after getting our loan to settlement was great. Thank you.

- Norma C. South Guildford, WA , April 25 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.

 

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