Buying your first home
Your home ownership journey starts with the right loan - get pre-approved today.
Multi-award winning
Variable Home Loan
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Borrow up to 90% LVR at a discounted rate***
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Offset sub-account available for +0.10%^
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No transaction fees for redraws
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No monthly or ongoing fees

Buying your first home has never been easier. Chat through the process with our Australian-based home lending specialists who’ll provide you with personal support when you need it.
Let us give you the peace of mind knowing that you’re pre-approved to search for your dream home with confidence.
You’ll benefit from our competitive rates, unlimited redraws with same-day access, the flexibility of an offset sub-account which can potentially speed up your repayments, and the ability to make extra repayments without any fees.
Going green? Our discounted Green Home Loan will get you there.
Why Aussies Choose Us

Apply anytime, and from anywhere.

Fast tracked pre-approval in minutes.

Smarter lending to get you moving sooner.

Online convenience, local support.
Our home loan interest rates
Home Loan | Interest Rate | Comparison Rate | Monthly Repayment | Product Features | Details |
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Variable Home LoanBorrow up to 90% LVR at a discounted rate*** |
5.54% p.a. | 5.58% p.a. | $2,852 |
|
Do I Qualify? |
Green Home LoanBorrow up to 90% LVR at a discounted rate for 5 years~~ |
5.49% p.a. | 5.95% p.a. | $2,836 |
|
Do I Qualify? |
3 Year Fixed (Special)Borrow up to 90% LVR |
5.34% p.a. | 5.67% p.a. | $2,789 |
|
Do I Qualify? |

Your property report
Here’s what you’ll get in the loans.com.au free property report.
The report contains:
A list of the recent sales of properties similar to the one you are looking at.
A list of properties currently on the market, similar to the one you are looking at.
An estimation of the value of the property.
More calculators & tools
Why choose loans.com.au for your first home loan?

Competitive rates
Being an online lender means fewer costs for us which means great rates for you.

Australian based
Rely on the support of our Australian-based team when you need to talk things through.

Flexible options
We have a full range of loan features with weekly, fortnightly or monthly repayment options.

Quick decision
Apply online or chat to one of our specialists for a quick decision and easy application.
As seen on...
Real-life customer stories



David
Meet David, a wonderful customer of ours who came to us when it was time to purchase his first home.
I was sick of throwing my money away paying rent to someone else so I started looking for a home of my own.
I looked at a couple places and then my girlfriend just said: “Oh, why don't you try loans.com.au". It turned out that you guys had the best credit policies out of anyone and you actually had a pretty good interest rate too.

Alex-First-Home-Buyer
Meet Alex, a wonderful customer of ours who came to us when he wanted to buy his first home and needed finance. He then financed two further home purchases with us.
Alex took out his first home loan with loans.com.au in 2016 as a first-time buyer looking for stability and a potential investment opportunity.
Over the years, he secured three different home loans with us as he transitioned through different properties—starting with a small apartment in Perth, then purchasing and moving into a home in Townsville, and finally upgrading to his current residence, also in Townsville.
Meet the team behind Australia's Home of Loans
We have been making it easier for Aussies to access great value home and car loans with our award-winning rates, fast approval and seamless digital experience.
Our home loan application process
Apply Online
Complete your application through our online platform.
Upload & Track
Submit your documents and monitor your application in real time via our onTrack portal.
Speak to our Specialist
Our lending specialists will make an appointment with you to guide you through the loan process, including getting a pre-approval.
Approval & Signing
Review and sign your mortgage documents and loan agreement via onTrack.
Settlement
Your loan settles, which means your funds will be ready.
Manage Your Loan
You'll receive your login details to manage your repayments and account details via our Smart Money app.
onTrack
Fast track your loan with onTrack
- Gain 24/7 control of your application
- Get alerts straight to your phone
- Easy to download mobile app
Access at your fingertip
You now have access and complete clarity of your loan application on-the-go with onTrack mobile.
The easy to use mobile app will keep you up-to-date with the progress of your loan anytime, anywhere with alerts straight to your phone. It's now even easier to get your loan approved and settled fast, no matter where you are.
Common home loan questions
Simply fill out your application online by hitting the apply button and entering some of your details.
Alternatively, chat to one of our friendly lending specialists on 1300 146 790 and they can complete your application for you.
After your application is complete, use our app onTrack on your desktop or device to add your documents such as payslips, and details of your existing loan. In the onTrack app, you can track the progress of your application.
For more information for documents required for a home purchase or build:
What documents do I need to buy or build a home in Australia?
Stamp duty is a tax imposed by state governments in Australia on the purchase of assets such as real estate. There are many factors involved in determining the cost of stamp duty for a property. These include:
- The state you’re buying in – All states have different methods of calculating stamp duty so the amount will differ.
- The price of the property – In general, the cheaper the property is the less stamp duty you will pay.
- The type of home you’re buying – Vacant land will have less stamp duty compared to an established home.
Most state and territory governments provide stamp duty concessions to first home buyers and sometimes waive the need to pay stamp duty altogether. It’s best to research your individual state or territory to see what the maximum property value is so you can avoid paying stamp duty.
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You can get your dream home at a low rate because we don't have to pay for branches or broker commissions and have innovative technology processes, which means we pass our savings directly on to you.
A property report is helpful if you're looking to purchase a new property, know the address and want to determine if it’s the right property for you, or potentially in a high growth area.
Our property reports provide information such as Estimated property value, Property mapping, Properties sold in the area, Market comparison, Median sale prices in the area and Suburb insights.
Related content
At loans.com.au, you’ll need at least a 10% deposit to buy your first home. If you want to avoid paying LMI, we recommend you save at least a 20% deposit of the property price. We also recommend you to look into grants and schemes available to first home buyers which may assist with the purchase.
Related content
We can provide approval for applicants in as little as 2-3 days, pending the customer's individual circumstances and all correct documentation has been provided. It's important to note that this is not a 'one size fits all' number, and the approval time will depend on each individual applicant's circumstances.
We'd always advise our customers to have the right documentation ready at application stage, so you can move forward with your application as quickly as possible.
Lender's Mortgage Insurance is an insurance policy that protects the lender from financial loss in the event that the borrower can’t afford to keep up their home loan repayments. If you have saved a deposit of 20% or more, you won’t have to pay "Lender's Mortgage Insurance" (LMI).
Related content
One of the benefits of being a first time home buyer in Australia is the access to a First Home Owner Grant. A First Home Owner Grant or FHOG was introduced by the Australian government to help first time homebuyers purchase their home. The requirements aren’t self-evident and every state and territory has different criteria and grant offers. To get more information about FHOG in your state, we suggest you visit the relevant website:
ACT | NSW | NT | SA | QLD | TAS | VIC | WA
Related content
Unlike many other lenders, we charge no monthly, annual or ongoing fees. The only fees you will pay on your home loan are a one-off $300 settlement fee plus a security assessment fee, which for a standard property in a metropolitan area in a major city starts at $230 for properties valued up to $1 million.
You have the option to add a 100% offset sub-account to your variable home loan. Many people choose to do this to help pay their home loan faster and save thousands on interest payments. For an extra 0.10%^ to the loan, you can add a 100% offset sub-account with online, ATM, EFTPOS & Visa debit card access to your money, plus unlimited free redraws. find out more information on adding an offset-sub account.
Related content
What Aussie First Home Buyers Need to Know
Buying your first home in Australia? Discover key insights from Domain’s First-Home Buyer Report 2025 to navigate the market with confidence.
Buying a House: How far can $1M go in each state in 2025?
Wondering how far $1 million goes in Australia’s 2025 property market? Discover what your budget can buy in each state amid record-high house prices.
Home Loan Terminology
A simple glossary of words containing some basic home loan and mortgage terms to keep in mind.
What is the process of buying a house?
What is Lender’s Mortgage Insurance?
Do’s and Don’ts when making an offer on a home
Homebuying Checklist for First-time Buyers
Does paying your mortgage weekly or fortnightly save you money?
What is the average house price in Australia?
Stamp duty explained: state-by-state guide
Pros and cons of buying off-the-plan
Tips for buying a house alone
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