Our low rate home loan
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Common home loan questions
There are a number of home loan options available, whether you’re an investor or plan to live in your home, with options including construction loans, fixed and variable, and even a green home loan discount for new energy efficient homes.
To reduce home loan repayments, you may be able to make extra repayments to cut off time on your loan term. You may also wish to make a lump sum payment to your loan principal, in which case your lender may recalculate your monthly repayment based on your new loan amount owing. Alternatively you can always request a rate review from your lender if you have a variable rate, to see if they can help reduce your interest rate.
Home loans can have variety of upfront or ongoing fees that vary between lenders. Upfront fees are common with home loans and may include application, legal, government, LMI or property valuation fees. Ongoing fees vary between lenders, with some having none. Ongoing fees may include monthly, annual, redraw or late fees. At loans.com.au, we charge no ongoing, annual or monthly fees.
How do you compare home loans?
There are a few key factors to analyse when comparing home loans. First you want to ensure you choose the right type of loan. For example, if you’re buying an investment property, you can’t get an owner-occupied loan and miss out on investor benefits. Some other key features to compare include:
Read some of our real good feedback.
The entire team were all very patient as it took a long time for us to find a property
Extremely happy with these guys. I checked them out initially for their low rates but was most pleased with the various team members who helped arrange my loans, especially Ray the lending manager - absolute legend and he deserves a raise - such a great guy who sorted us out all along the way and explained everything very clearly. The entire team were all very patient as it took a long time for us to find a property, including a few false starts at auction. No wait times on the phone with them either. 100% recommended, especially after my experience of being with a major lender for a long time and paying above market interest rates for my loyalty.
April 28, 2022
Friendly and efficient service
Seamless experience. Friendly and efficient service.
April 25, 2022
So easy and simple
The whole process from my initial phone enquiry to my loan being approved was so easy and simple. Ray was amazing. He put my nerves at ease and was able to give me sound financial advice. I would definitely recommend loans.com.au to my family and friends.
April 22, 2022
Apply online today. Or, one of our friendly lending specialists can do the hard work for you and manage your paperwork over the phone.
Either way, we can settle your loan quickly so you can start saving thousands sooner.