Variable Home Loan
Construction Home Loan
Smart Home Loan
Green Home Loans
Zip Home Loan
Fixed Home Loan
SMSF Home Loan
Download home loans PDF
Ex-Pat Home LoanOwner occupier rates
We have low rate home loans to help make buying your first or next home affordable, and speedy processing times so you can get the keys in no time. Or, if you're refinancing, we have a simple refinancing process so you can start saving on your home loan repayments, sooner.
Principal & interest
Interest Only
Product Name
Interest rate p.a.
Comparison rate p.a.*
Interest rate p.a.
Comparison rate p.a.*
Features
Variable Home Loan
90% LVR
6.04%
6.06%
6.54%
6.56%
Get a loans.com.au super low rate you’ll be celebrating for years!.
- Option to add an offset sub-account for +0.10%^
- No monthly or ongoing fees
- Up to 90% LVR
- Unlimited redraws
- Visa debit card
- Available to split
- Additional repayments
- $2M max loan amount
(Rates as at 10 November 2023)
5.89%
6.48%
-
-
Get rewarded with a discount to your home loan rate when you go green for your new home.
- Low rate home loan with added benefits
- Save thousands & make an environmentally conscious choice on your loan for homes less than 12 months old
- Get a 7.0 star NatHERS rating or higher for up to 0.84% discount*** on your variable rate home loan
- Visa debit card
- Redraw facility
- Available to split
- Additional repayments
- Up to 90% LVR
- $2M max loan amount
5.99%
6.51%
6.49%
6.67%
Having solar panels on your roof can now also help you save on mortgage too. Whether you already have solar or will install solar within 90 days of your loan settling based on a quote, get rewarded with a discounted home loan rate.
- Cut your home loan interest rate and repayments
- Reduce energy bills and save more money
- Option to add an offset sub-account for +0.10%^
- Additional repayments
- Up to 90% LVR
- $1.5M max loan amount
- Visa debit card
- Redraw facility
- Available to split
Smart Home Loan
80% LVR
6.73%
6.75%
7.04%
7.06%
The Smart Home Loan is our low rate loan that could save you thousands on your dream home.
- Option to add an offset sub-account for +0.10%^
- No monthly or ongoing fees
- Unlimited redraws
- Visa debit card
- Redraw facility
- Available to split
- Additional repayments
- Up to 80% LVR
- $2M max loan amount
Smart Home Loan
90% LVR
7.04%
7.06%
-
-
The Smart Home Loan is our low rate loan that could save you thousands on your dream home.
- Option to add an offset sub-account for +0.10%^
- No monthly or ongoing fees
- Unlimited redraws
- Visa debit card
- Redraw facility
- Available to split
- Additional repayments
- Up to 90% LVR
- $1M max loan amount
6.98%
7.00%
-
-
Great low rate home loan with interest free $5,000 Visa debit card.
- $5000 Visa debit card, 0% interest
- No monthly or ongoing fees
- Unlimited additional repayments
- Visa debit card
- Redraw facility
- Schedule recurring transfers
- Additional repayments
- Up to 80% LVR
- $2M max loan amount
6.85%
7.04%
(up to 80%)
6.87%
Lock in a low rate for your peace of mind
- 1 year fixed term
- No monthly or ongoing fees
- Option to split with low variable rate
- Schedule recurring transfers
- Additional repayments (Up to $10,000 extra repayment per year)
- Up to 90% LVR
- $1M max loan amount
6.59%
6.83%
6.99%
(up to 80%)
6.88%
Lock in a low rate for your peace of mind
- 2 year fixed term
- No monthly or ongoing fees
- Option to split with low variable rate
- Schedule recurring transfers
- Additional repayments (Up to $10,000 extra repayment per year)
- Up to 90% LVR
- $1M max loan amount
6.54%
6.80%
6.94%
(up to 80%)
6.88%
Lock in a low rate for your peace of mind
- 3 year fixed term
- No monthly or ongoing fees
- Option to split with low variable rate
- Schedule recurring transfers
- Additional repayments (Up to $10,000 extra repayment per year)
- Up to 90% LVR
- $1M max loan amount
6.74%
6.83%
7.14%
(up to 80%)
6.93%
Lock in a low rate for your peace of mind
- 4 year fixed term
- No monthly or ongoing fees
- Option to split with low variable rate
- Schedule recurring transfers
- Additional repayments (Up to $10,000 extra repayment per year)
- Up to 90% LVR
- $1M max loan amount
6.44%
6.73%
-
-
Lock in a low rate for your peace of mind
- 5 year fixed term
- No monthly or ongoing fees
- Option to split with low variable rate
- Schedule recurring transfers
- Additional repayments (Up to $10,000 extra repayment per year)
- Up to 90% LVR
- $1M max loan amount
6.79%
6.84%
7.19%
(up to 80%)
6.97%
Lock in a low rate for your peace of mind
- 5 year fixed term
- No monthly or ongoing fees
- Option to split with low variable rate
- Schedule recurring transfers
- Additional repayments (Up to $10,000 extra repayment per year)
- Up to 90% LVR
- $1M max loan amount
Principal & interest
Interest Only
Interest rate p.a.
Comparison rate p.a.*
Interest rate p.a.
Comparison rate p.a.*
6.04%
6.06%
6.54%
6.56%
Principal & interest
Interest Only
Interest rate p.a.
Comparison rate p.a.*
Interest rate p.a.
Comparison rate p.a.*
5.89%
6.48%
-
-
Principal & interest
Interest Only
Interest rate p.a.
Comparison rate p.a.*
Interest rate p.a.
Comparison rate p.a.*
5.99%
6.51%
6.49%
6.67%
Principal & interest
Interest Only
Interest rate p.a.
Comparison rate p.a.*
Interest rate p.a.
Comparison rate p.a.*
6.73%
6.75%
7.04%
7.06%
Principal & interest
Interest Only
Interest rate p.a.
Comparison rate p.a.*
Interest rate p.a.
Comparison rate p.a.*
7.04%
7.06%
-
-
Principal & interest
Interest Only
Interest rate p.a.
Comparison rate p.a.*
Interest rate p.a.
Comparison rate p.a.*
6.98%
7.00%
-
-
Principal & interest
Interest Only
Interest rate p.a.
Comparison rate p.a.*
Interest rate p.a.
Comparison rate p.a.*
6.64%
6.85%
7.04%
(up to 80%)
6.87%
Principal & interest
Interest Only
Interest rate p.a.
Comparison rate p.a.*
Interest rate p.a.
Comparison rate p.a.*
6.59%
6.83%
6.99%
(up to 80%)
6.88%
Principal & interest
Interest Only
Interest rate p.a.
Comparison rate p.a.*
Interest rate p.a.
Comparison rate p.a.*
6.54%
6.80%
6.94%
(up to 80%)
6.88%
Principal & interest
Interest Only
Interest rate p.a.
Comparison rate p.a.*
Interest rate p.a.
Comparison rate p.a.*
6.74%
6.83%
7.14%
(up to 80%)
6.93%
Principal & interest
Interest Only
Interest rate p.a.
Comparison rate p.a.*
Interest rate p.a.
Comparison rate p.a.*
6.44%
6.73%
-
-
Principal & interest
Interest Only
Interest rate p.a.
Comparison rate p.a.*
Interest rate p.a.
Comparison rate p.a.*
6.79%
6.84%
7.19%
(up to 80%)
6.97%
Investor rates
Our low investment loan rates make it simple for you to buy your investment property or start saving on your investment loan repayments, as soon as possible.
Principal & interest
Interest Only
Product Name
Interest rate p.a.
Comparison rate p.a.*
Interest rate p.a.
Comparison rate p.a.*
Features
Variable Investor Home Loan
80% LVR
6.24%
6.26%
6.64%
6.66%
Get a loans.com.au super low investor rate you’ll be celebrating for years!.
- Option to add an offset sub-account for +0.10%^
- No monthly or ongoing fees
- Up to 80% LVR
- Unlimited redraws
- Visa debit card
- Available to split
- Additional repayments
- $2M max loan amount
(Rates as at 10 November 2023)
Variable Investor Home Loan
90% LVR
6.54%
6.56%
6.94%
6.96%
Get a loans.com.au super low investor rate you’ll be celebrating for years!.
- Option to add an offset sub-account for +0.10%^
- No monthly or ongoing fees
- Up to 90% LVR
- Unlimited redraws
- Visa debit card
- Available to split
- Additional repayments
- $1M max loan amount
(Rates as at 10 November 2023)
5.89%
6.48%
5.89%
6.48%
Get rewarded with a discount to your investment loan rate when you go green for your new investment property.
- Low rate investment loan with added benefits
- Save thousands & make an environmentally conscious choice on your loan for homes less than 12 months old
- Get a 7.0 star NatHERS rating or higher for up to 0.84% discount*** on your investment loan
- Visa debit card
- Redraw facility
- Available to split
- Additional repayments
- Up to 90% LVR
- $2M max loan amount
6.19%
6.58%
6.49%
6.67%
Having solar panels on your roof can now also help you save on your mortgage too. Whether you already have solar or will install solar within 90 days of your loan settling based on a quote, get rewarded with a discounted investment loan rate.
- Cut your home loan interest rate and repayments
- Reduce energy bills and save more money
- Option to add an offset sub-account for +0.10%^
- Additional repayments
- Up to 90% LVR
- $1.5M max loan amount
- Visa debit card
- Redraw facility
- Available to split
Smart Investor
80% LVR
6.99%
7.01%
7.24%
7.26%
The Smart Investor Home Loan could help you save you thousands and build your wealth.
- Option to add an offset sub-account for +0.10%^
- No monthly or ongoing fees
- Unlimited redraws
- Visa debit card
- Redraw facility
- Available to split
- Additional repayments
- Up to 80% LVR
- $2M max loan amount
Smart Investor
90% LVR
7.24%
7.26%
7.44%
7.46%
The Smart Investor Home Loan could help you save you thousands and build your wealth.
- Option to add an offset sub-account for +0.10%^
- No monthly or ongoing fees
- Unlimited redraws
- Visa debit card
- Redraw facility
- Available to split
- Additional repayments
- Up to 90% LVR
- $1M max loan amount
SMSF Loan
70% LVR
6.99%
7.00%
-
-
Want a lower rate on your SMSF loan? loans.com.au has some of the lowest rate SMSF loans in the market, and we’re here to help you so you can start saving thousands.
- Available for purchase and refinance
- No application fee and no settlement fee
- No monthly, annual or ongoing fees
- Additional repayments
- Up to 70% LVR
- $1M max loan amount
SMSF Loan
80% LVR
7.49%
7.50%
-
-
Want a lower rate on your SMSF loan? loans.com.au has some of the lowest rate SMSF loans in the market, and we’re here to help you so you can start saving thousands.
- Available for purchase and refinance
- No application fee and no settlement fee
- No monthly, annual or ongoing fees
- Additional repayments
- Up to 80% LVR
- $1M max loan amount
Ex-Pat Home Loan
80% LVR
7.58%
7.60%
7.78%
7.80%
Searching for an affordable non-resident home loan? If you are an expatriate non-resident investor looking to purchase or refinance, why not take advantage of our low variable rate?
- Available for Australian or New Zealand citizens only
- Unlimited free redraw
- Available for purchase and refinance
- No monthly, annual or ongoing fees
- Additional repayments
- Up to 80% LVR
- $1.5M max loan amount
SMSF Loan
Fixed Investor - 2 year
7.59%
7.51%
-
-
Want a lower rate on your SMSF loan? loans.com.au has some of the lowest rate SMSF loans in the market, and we’re here to help you so you can start saving thousands.
- Available for purchase and refinance
- 2 year fixed term
- Additional repayments (Up to $10,000 extra repayment per year)
- Up to 80% LVR
- $1M max loan amount
SMSF Loan
Fixed Investor - 3 year
7.49%
7.50%
-
-
Want a lower rate on your SMSF loan? loans.com.au has some of the lowest rate SMSF loans in the market, and we’re here to help you so you can start saving thousands.
- Available for purchase and refinance
- 3 year fixed term
- Additional repayments (Up to $10,000 extra repayment per year)
- Up to 80% LVR
- $1M max loan amount
SMSF Loan
Fixed Investor - 5 year
7.74%
7.58%
-
-
Want a lower rate on your SMSF loan? loans.com.au has some of the lowest rate SMSF loans in the market, and we’re here to help you so you can start saving thousands.
- Available for purchase and refinance
- 5 year fixed term
- Additional repayments (Up to $10,000 extra repayment per year)
- Up to 80% LVR
- $1M max loan amount
6.84%
7.14%
7.24%
(up to 80%)
7.16%
Lock in a low rate investment loan for certainty of your repayments.
- 1 year fixed term
- No monthly or ongoing fees
- Option to split with low variable rate
- Schedule recurring transfers
- Additional repayments (Up to $10,000 extra repayment per year)
- Up to 90% LVR
- $1M max loan amount
6.79%
7.11%
7.19%
(up to 80%)
7.16%
Lock in a low rate investment loan for certainty of your repayments.
- 2 year fixed term
- No monthly or ongoing fees
- Option to split with low variable rate
- Schedule recurring transfers
- Additional repayments (Up to $10,000 extra repayment per year)
- Up to 90% LVR
- $1M max loan amount
6.74%
7.08%
7.14%
(up to 80%)
7.16%
Lock in a low rate investment loan for certainty of your repayments.
- 3 year fixed term
- No monthly or ongoing fees
- Option to split with low variable rate
- Schedule recurring transfers
- Additional repayments (Up to $10,000 extra repayment per year)
- Up to 90% LVR
- $1M max loan amount
6.94%
7.11%
7.34%%
(up to 80%)
7.21%
Lock in a low rate investment loan for certainty of your repayments.
- 4 year fixed term
- No monthly or ongoing fees
- Option to split with low variable rate
- Schedule recurring transfers
- Additional repayments (Up to $10,000 extra repayment per year)
- Up to 90% LVR
- $1M max loan amount
6.99%
7.11%
7.39%
(up to 80%)
7.24%
Lock in a low rate investment loan for certainty of your repayments.
- 5 year fixed term
- No monthly or ongoing fees
- Option to split with low variable rate
- Schedule recurring transfers
- Additional repayments (Up to $10,000 extra repayment per year)
- Up to 90% LVR
- $1M max loan amount
Principal & interest
Interest Only
Interest rate p.a.
Comparison rate p.a.*
Interest rate p.a.
Comparison rate p.a.*
6.24%
6.26%
6.64%
6.66%
Principal & interest
Interest Only
Interest rate p.a.
Comparison rate p.a.*
Interest rate p.a.
Comparison rate p.a.*
6.54%
6.56%
6.94%
6.96%
Principal & interest
Interest Only
Interest rate p.a.
Comparison rate p.a.*
Interest rate p.a.
Comparison rate p.a.*
5.89%
6.48%
5.89%
6.48%
Principal & interest
Interest Only
Interest rate p.a.
Comparison rate p.a.*
Interest rate p.a.
Comparison rate p.a.*
6.19%
6.58%
6.49%
6.67%
Principal & interest
Interest Only
Interest rate p.a.
Comparison rate p.a.*
Interest rate p.a.
Comparison rate p.a.*
6.99%
7.01%
7.24%
7.26%
Principal & interest
Interest Only
Interest rate p.a.
Comparison rate p.a.*
Interest rate p.a.
Comparison rate p.a.*
7.24%
7.26%
7.44%
7.46%
Principal & interest
Interest Only
Interest rate p.a.
Comparison rate p.a.*
Interest rate p.a.
Comparison rate p.a.*
6.99%
7.00%
-
-
Principal & interest
Interest Only
Interest rate p.a.
Comparison rate p.a.*
Interest rate p.a.
Comparison rate p.a.*
7.49%
7.50%
-
-
Principal & interest
Interest Only
Interest rate p.a.
Comparison rate p.a.*
Interest rate p.a.
Comparison rate p.a.*
7.58%
7.60%
7.78%
7.80%
Principal & interest
Interest Only
Interest rate p.a.
Comparison rate p.a.*
Interest rate p.a.
Comparison rate p.a.*
7.59%
7.51%
-
-
Principal & interest
Interest Only
Interest rate p.a.
Comparison rate p.a.*
Interest rate p.a.
Comparison rate p.a.*
7.49%
7.50%
-
-
Principal & interest
Interest Only
Interest rate p.a.
Comparison rate p.a.*
Interest rate p.a.
Comparison rate p.a.*
7.74%
7.58%
-
-
Principal & interest
Interest Only
Interest rate p.a.
Comparison rate p.a.*
Interest rate p.a.
Comparison rate p.a.*
6.84%
7.14%
7.24%
(up to 80%)
7.16%
Principal & interest
Interest Only
Interest rate p.a.
Comparison rate p.a.*
Interest rate p.a.
Comparison rate p.a.*
6.79%
7.11%
7.19%
(up to 80%)
7.16%
Principal & interest
Interest Only
Interest rate p.a.
Comparison rate p.a.*
Interest rate p.a.
Comparison rate p.a.*
6.74%
7.08%
7.14%
(up to 80%)
7.16%
Principal & interest
Interest Only
Interest rate p.a.
Comparison rate p.a.*
Interest rate p.a.
Comparison rate p.a.*
6.94%
7.11%
7.34%%
(up to 80%)
7.21%
Principal & interest
Interest Only
Interest rate p.a.
Comparison rate p.a.*
Interest rate p.a.
Comparison rate p.a.*
6.99%
7.11%
7.39%
(up to 80%)
7.24%
Construction rates
Let us help with the finance so you can focus on your building and renovations. A simple and quick process, with fully featured loans, you’ll find the right low rate construction loan for you.
Interest only
Product Name
Interest rate p.a.
Comparison rate p.a.*
Post construction rate p.a.
Features
Green Construction
Owner Occupier - 90% LVR
6.13%
6.59%
6.13%
Get Australia's lowest rate construction loan discount when you go green.
- Low rate construction loan with added benefits
- Save thousands & make an environmentally conscious choice
- Get a 7.0 star NatHERS rating or higher for up to 1.79% discount***
on your variable rate construction loan - Up to 90% LVR
- $1M max loan amount
- Visa debit card
- Redraw facility
- Available to split
- Additional repayments
Green Construction
Investor - 90% LVR
6.64%
7.10%
6.64%
Get Australia's lowest rate construction loan discount when you go green.
- Low rate construction loan with added benefits
- Save thousands & make an environmentally conscious choice
- Get a 7.0 star NatHERS rating or higher for up to 1.79% discount***
on your variable rate construction loan - Up to 90% LVR
- $1M max loan amount
- Visa debit card
- Redraw facility
- Available to split
- Additional repayments
Solar Construction
Owner Occupier - 90% LVR
6.43%
6.68%
6.43%
Get Australia's lowest rate construction loan discount when you go solar.
- Low rate construction loan with added benefits
- Save thousands & make an environmentally conscious choice
- Up to 1.49% discount*** on your variable rate construction loan,
for eligible homes with Solar system - Up to 90% LVR
- $1M max loan amount
- Visa debit card
- Redraw facility
- Available to split
- Additional repayments
Solar Construction
Investor - 80% LVR
6.94%
7.19%
6.94%
Get Australia's lowest rate construction loan discount when you go solar.
- Low rate construction loan with added benefits
- Save thousands & make an environmentally conscious choice
- Up to 1.49% discount*** on your variable rate construction loan,
for eligible homes with Solar system - Up to 80% LVR
- $1M max loan amount
- Visa debit card
- Redraw facility
- Available to split
- Additional repayments
Construction
Owner Occupier - 80% LVR
7.72%
6.94%
6.84%
Build your dream home or renovate with our construction loan
- Interest-only during construction
- No monthly or ongoing fees
- Optional offset sub-account upon completion of construction
- Up to 80% LVR
- $1M max loan amount
- Visa debit card
- Redraw facility
- Available to split
- Additional repayments
Construction
Owner Occupier - 90% LVR
7.92%
7.33%
7.24%
Build your dream home or renovate with our construction loan
- Interest-only during construction
- No monthly or ongoing fees
- Optional offset sub-account upon completion of construction
- Up to 90% LVR
- $1M max loan amount
- Visa debit card
- Redraw facility
- Available to split
- Additional repayments
Construction
Investor - 80% LVR
7.82%
7.23%
7.14%
Build or renovate to increase your investment property’s value with our construction loan
- Interest only during construction
- No monthly or ongoing fees
- Optional offset sub-account upon completion of construction
- Up to 80% LVR
- $1M max loan amount
- Visa debit card
- Redraw facility
- Available to split
- Additional repayments
Interest only
Interest rate p.a.
Comparison rate p.a.*
Post construction rate p.a.
6.13%
6.59%
6.13%
Interest only
Interest rate p.a.
Comparison rate p.a.*
Post construction rate p.a.
6.64%
7.10%
6.64%
Interest only
Interest rate p.a.
Comparison rate p.a.*
Post construction rate p.a.
6.43%
6.68%
6.43%
Interest only
Interest rate p.a.
Comparison rate p.a.*
Post construction rate p.a.
6.94%
7.19%
6.94%
Interest only
Interest rate p.a.
Comparison rate p.a.*
Post construction rate p.a.
7.72%
6.94%
6.84%
Interest only
Interest rate p.a.
Comparison rate p.a.*
Post construction rate p.a.
7.92%
7.33%
7.24%
Interest only
Interest rate p.a.
Comparison rate p.a.*
Post construction rate p.a.
7.82%
7.23%
7.14%
Complete your home loan application in 2 minutes
Apply online yourself or call our friendly lending specialists and they can do the hard work for you. The application is quick and easy, so get started on yours today.
Types of home loans
Principal and Interest
Principal & interest loan repayments include some principal and some interest. This reduces the principal owing, resulting in paying off your mortgage sooner and getting closer to owning the property. Alternatively, there is the option to choose an interest only loan, where you only pay back the interest for a set period of time.
Owner Occupier
Owner occupied loans are for those who purchase a home and live in it straight away. You are not able to get an owner occupied loan type if you are renting your property out to tenants.
Investment
If you’re purchasing a house with the purpose of renting it out to tenants, you’ll need an investment home loan. They function the similarly to owner occupied loans, but also have other features to benefit the investor.
Common home loan questions
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:
Why choose loans.com.au?
Low interest rates
Being an online lender with fewer overheads means we’re able to pass on the savings to our customers.
Australian based
Get help when you need it from our friendly team of Australian based, lending specialists.
Flexible options
Looking to save with an offset, or make extra repayments with a redraw? We have a full range of loan features to suit your situation.
Award winning
We keep on winning awards for our products, innovations and customer service, year after year!
Whatever stage of the home loan journey you're at, we can help
I’m buying my next home
We can approve your application quickly to help you get the keys to your next home as soon as possible, and with our low rates, it's possible for you to own your home sooner.
I’m refinancing
At loans.com.au, we make it easy for you to start saving thousands on your home loan repayments, as soon as possible. You don’t even have to contact your old lender - we can do the hard work for you.
I’m investing
If you're buying an investment property, building an investment property or refinancing your investment loan, we make the home loan process simple, quick and hassle free, with great low rate investment loans.
I’m buying my first home
The friendly lending specialists at loans.com.au are here to help you as much as you need when buying your first home. We can walk you through all your options to find the right loan for you, and we have a number of handy guides and videos available to help with the process.
I’m building a home
When you're building or doing major renovations, you have a lot on your mind. We can help take the stress out the finance with low rates and an easy online application so you can focus on the build.
Home loan calculators
If you haven’t started your home loan journey yet, we have calculators that might help you make your decision, whether it be to refinancing, get a second property, or add features to your loan. Use our calculators to calculate your equity, repayments, potential savings by refinancing or adding an offset. We also have a stamp duty calculator to see how much you may be up for.
In just 2 minutes, find out if you qualify for a low rate home loan.
According to our customers, the application process is “quick, smooth and easy”, and communication is “clear, transparent and professional.” Get started on your online application today.
Our friendly home loan specialists are here to help. Book a call to get all your home loan questions answered.