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Flexible options
1, 2 or 3 year fixed terms available to lock in a great low rate and gain peace of mind.
The rate is fixed but the options aren’t. Choose your term and consider the ways you can get the best out of our low fixed rates.
For flexibility, you have the option of a split loan with a portion fixed and the rest on a variable rate. If this option is choosen, it will provide the certainty of a fixed rate, but let you enjoy the benefit of any rate cut, and still use 100% redraw offset facility against the variable portion of your loan to minimise your interest.
Added security You can apply for Rate Lock to ensure your interest rate doesn’t change in the period between application and settlement. Repayment options Choose weekly, fortnightly, or monthly repayments with up to five years interest-only and, at the end of the fixed term, your interest rate reverts to our market-leading variable rate. Property transfers Best of all, your fixed rate home loan is transferrable from one property to the next without the need for a full application.
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Rate lock option available
Interest Only option available
Weekly, fortnightly and monthly repayments
Multiple loan splits available ^
No monthly or ongoing fees
Smart Money app
Loans.com.au makes borrowing simple so you can purchase or refinance with confidence. Go from application to settlement in three easy steps. Here's how to lock in a super-low-rate home loan, super-fast.
Apply online or on the phone with one of our Australian-based loan specialists.
It is easy for you to track your application to approval, receive your loan documents and set up online services with our award winning onTrack app.
We do everything required for the loan settlement, so you can start saving money.
Owner Occupier
3.94% Fixed rate*
3.76% Comp rate*
Investor
4.14% Fixed rate*
4.37% Comp rate*
3.99% Fixed rate*
3.78% Comp rate*
4.33% Fixed rate*
4.38% Comp rate*
4.29% Fixed rate*
3.86% Comp rate*
4.49% Fixed rate*
4.42% Comp rate*
Designed for you to make your home loan journey quick, simple, and reliable.
Our friendly, Australian based, Lending and Customer Care experts will ensure you have a quick and hassle-free experience.
(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
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. PLAY STORE APP STORE
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