Home Buyer Special
Rates from
Variable rate p.a.*
Comp rate p.a.*

A limited time offer to home buyers on our streamlined low-rate, low-fee home loan product.

  • Unlimited free redraws with no minimum redraw amount
  • No monthly or ongoing fees
  • Owner occupiers only
  • Minimum 20% deposit
  • $1 million maximum

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Loan amount

Monthly repayments#

Impressive rate, customer service and professionalism

I am so impressed with not only the cheapest interest rate but the high level of customer service and professionalism. I have never had a process go so smoothly or quickly. I want to thank everyone concerned. Well done.

Lynnette B.
Ferntree Gully, VIC


Save thousands on your mortgage

During Spring, people purchasing a property to live in can save an extra 0.10% on our super-low rate Essentials loan.

Essentials is a no-bells-and-whistles loan with 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 BPAY fee


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.


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.


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. 


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.




Borrowing power

Find out how much you can borrow based on your income and expenses.


Loan repayments

Shows how your mortgage repayments will vary depending upon the size, interest rate and duration of your loan.


Stamp duty costs

Works out how much stamp duty you'll have to pay depending on the property’s value and location. 


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 223 reviews.
As rated by our settled customers


Great process, rate and staff
Easy and quick process, great rate. Friendly and helpful staff.

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

Andrew J. - Calderwood, NSW
November 20 2017

Happy new customer
Very smooth process and great product. Very happy new customer.

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

Scott N. - Yeronga, QLD
November 15 2017