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Owner 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

6.04%

6.06%

6.54%
(up to 80%)

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

5.99%

6.51%

6.49%
(up to 80%)

6.67%

Get rewarded with a discount to your home loan rate when you go green for your new home.

  • Get a 7.0 star NatHERS rating or higher to qualify for 0.74%
    discount on your home loan
  • Option to add an offset sub-account for +0.10%^
  • Visa debit card
  • Redraw facility
  • Available to split
  • Additional repayments
  • Up to 90% LVR
  • $2M max loan amount

5.99%

6.51%

6.49%
(up to 80%)

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

6.44%

6.46%

-

-

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

-

-

7.75%

6.31%

Bridge the gap between buying and selling a home.

  • Purchase a new home before selling an existing one
  • 6 or 12 months Bridging period*^
  • No repayment required for the first 6 months
  • 20% deposit minimum
  • No monthly or ongoing fees
  • Up to 80% LVR
  • $3M max loan amount

*^During the Bridging period, the interest rate is fixed and after the Bridging period reverts to variable rate.

6.54%

6.29%

6.94%
(up to 80%)

6.77%

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

6.34%

6.28%

6.74%
(up to 80%)

6.76%

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

5.69%
(Special)

6.16%

6.64%
(up to 80%)

6.74%

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

6.44%

6.32%

6.84%
(up to 80%)

6.78%

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

6.04%

6.20%

6.79%
(up to 80%)

6.77%

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
MOST POPULAR
90% LVR

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%
(up to 80%)

6.56%

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%
(up to 80%)

6.67%

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%
(up to 80%)

6.67%

Principal & interest

Interest Only

Interest rate p.a.

Comparison rate p.a.*

Interest rate p.a.

Comparison rate p.a.*

6.44%

6.46%

-

-

Principal & interest

Interest Only

Interest rate p.a.

Comparison rate p.a.*

Interest rate p.a.

Comparison rate p.a.*

-

-

-7.75%

-6.31%

Principal & interest

Interest Only

Interest rate p.a.

Comparison rate p.a.*

Interest rate p.a.

Comparison rate p.a.*

6.54%

6.29%

6.94%
(up to 80%)

6.77%

Principal & interest

Interest Only

Interest rate p.a.

Comparison rate p.a.*

Interest rate p.a.

Comparison rate p.a.*

6.34%

6.28%

6.74%
(up to 80%)

6.76%

Principal & interest

Interest Only

Interest rate p.a.

Comparison rate p.a.*

Interest rate p.a.

Comparison rate p.a.*

5.69%
(Special)

6.16%

6.64%
(up to 80%)

6.74%

Principal & interest

Interest Only

Interest rate p.a.

Comparison rate p.a.*

Interest rate p.a.

Comparison rate p.a.*

6.44%

6.32%

6.84%
(up to 80%)

6.78%

Principal & interest

Interest Only

Interest rate p.a.

Comparison rate p.a.*

Interest rate p.a.

Comparison rate p.a.*

6.04%

6.20%

6.79%
(up to 80%)

6.77%

Do I qualify?

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

6.34%

6.36%

6.74%

6.76%

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
  • $2M max loan amount

6.28%

6.30%

6.68%

6.70%

Investing in property? Get rewarded by a package rate discount.

  • Available when packaged with an owner occupied loan
  • 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

6.19%

6.58%

6.49%

6.67%

Get rewarded with a discount to your investment loan rate when you go green for your new investment property.

  • Get a 7.0 star NatHERS rating or higher to qualify for 0.84%
    discount on your home loan
  • Option to add an offset sub-account for +0.10%^
  • 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

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
  • Offset sub-account available at no added cost
  • 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

6.74%

6.57%

7.14%
(up to 80%)

6.97%

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

6.54%

6.56%

6.94%
(up to 80%)

6.96%

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

6.44%

6.54%

6.84%
(up to 80%)

6.94%

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

6.64%

6.58%

7.04%
(up to 80%)

6.98%

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

6.59%

6.57%

6.99%
(up to 80%)

6.97%

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
MOST POPULAR
90% LVR

Principal & interest

Interest Only

Interest rate p.a.

Comparison rate p.a.*

Interest rate p.a.

Comparison rate p.a.*

6.34%

6.36%

6.74%

6.76%

Principal & interest

Interest Only

Interest rate p.a.

Comparison rate p.a.*

Interest rate p.a.

Comparison rate p.a.*

6.28%

6.30%

6.68%

6.70%

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.*

6.19%

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.*

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.*

6.74%

6.57%

7.14%
(up to 80%)

6.97%

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%
(up to 80%)

6.96%

Principal & interest

Interest Only

Interest rate p.a.

Comparison rate p.a.*

Interest rate p.a.

Comparison rate p.a.*

6.44%

6.54%

6.84%
(up to 80%)

6.94%

Principal & interest

Interest Only

Interest rate p.a.

Comparison rate p.a.*

Interest rate p.a.

Comparison rate p.a.*

6.64%

6.58%

7.04%
(up to 80%)

6.98%

Principal & interest

Interest Only

Interest rate p.a.

Comparison rate p.a.*

Interest rate p.a.

Comparison rate p.a.*

6.59%

6.57%

6.99%
(up to 80%)

6.97%

Do I qualify?

SMSF rates

Looking for a low rate SMSF loan? loans.com.au has some of the lowest rate SMSF loans in the market.

 

Principal & interest

Interest Only

 

Product Name

Interest rate p.a.

Comparison rate p.a.*

Interest rate p.a.

Comparison rate p.a.*

Features

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
  • $2M 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
  • $1.5M max loan amount

SMSF Loan
Fixed Investor - 2 year

7.34%

7.48%

-

-

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

7.24%

7.45%

-

-

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

7.39%

7.47%

-

-

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

7.69%

-

-

-

Looking for a low rate SMSF commercial loan? loans.com.au SMSF commercial loans has a competitive rate loan in the market.

  • Purchase and refinance commercial property
  • No settlement fee
  • No monthly, annual or ongoing fees
  • Additional repayments
  • Up to 70% LVR
  • $2M max loan amount

7.99%

-

-

-

Looking for a low rate SMSF commercial loan? loans.com.au SMSF commercial loans has a competitive rate loan in the market.

  • Purchase and refinance commercial property
  • No settlement fee
  • No monthly, annual or ongoing fees
  • Additional repayments
  • Up to 80% LVR
  • $2M max loan amount

SMSF Commercial Loan
Fixed Investor - 2 year

8.49%

-

-

-

Looking for a low rate SMSF commercial loan? loans.com.au SMSF commercial loans has a competitive rate loan in the market.

  • Purchase and refinance commercial property
  • 2 year fixed term
  • Additional repayments (Up to $10,000 extra repayment per year)
  • Up to 80% LVR
  • $2M max loan amount

SMSF Commercial Loan
Fixed Investor - 3 year

8.39%

-

-

-

Looking for a low rate SMSF commercial loan? loans.com.au SMSF commercial loans has a competitive rate loan in the market.

  • Purchase and refinance commercial property
  • 3 year fixed term
  • Additional repayments (Up to $10,000 extra repayment per year)
  • Up to 80% LVR
  • $2M max loan amount

SMSF Commercial Loan
Fixed Investor - 5 year

8.54%

-

-

-

Looking for a low rate SMSF commercial loan? loans.com.au SMSF commercial loans has a competitive rate loan in the market.

  • Purchase and refinance commercial property
  • 5 year fixed term
  • Additional repayments (Up to $10,000 extra repayment per year)
  • Up to 80% LVR
  • $2M max loan amount

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%

-

-

Fixed Investor - 2 year

Principal & interest

Interest Only

Interest rate p.a.

Comparison rate p.a.*

Interest rate p.a.

Comparison rate p.a.*

7.34%

7.48%

-

-

Fixed Investor - 3 year

Principal & interest

Interest Only

Interest rate p.a.

Comparison rate p.a.*

Interest rate p.a.

Comparison rate p.a.*

7.24%

7.45%

-

-

Fixed Investor - 5 year

Principal & interest

Interest Only

Interest rate p.a.

Comparison rate p.a.*

Interest rate p.a.

Comparison rate p.a.*

7.39%

7.47%

-

-

Principal & interest

Interest Only

Interest rate p.a.

Comparison rate p.a.*

Interest rate p.a.

Comparison rate p.a.*

7.69%

-

-

-

Principal & interest

Interest Only

Interest rate p.a.

Comparison rate p.a.*

Interest rate p.a.

Comparison rate p.a.*

7.99%

-

-

-

Fixed Investor - 2 year

Principal & interest

Interest Only

Interest rate p.a.

Comparison rate p.a.*

Interest rate p.a.

Comparison rate p.a.*

8.49%

-

-

-

Fixed Investor - 3 year

Principal & interest

Interest Only

Interest rate p.a.

Comparison rate p.a.*

Interest rate p.a.

Comparison rate p.a.*

8.39%

-

-

-

Fixed Investor - 5 year

Principal & interest

Interest Only

Interest rate p.a.

Comparison rate p.a.*

Interest rate p.a.

Comparison rate p.a.*

8.54%

-

-

-

Do I qualify?

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

6.43%

6.68%

6.43%

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
  • $1.2M max loan amount
After completion:
  • Visa debit card
  • Redraw facility
  • Available to split
  • Additional repayments

Green Construction
Investor - 90% LVR

6.94%

7.19%

6.94%

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
  • $1.2M max loan amount
After completion:
  • 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
  • $1.2M max loan amount
After completion:
  • 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
  • $1.2M max loan amount
After completion:
  • Visa debit card
  • Redraw facility
  • Available to split
  • Additional repayments

Construction
Owner Occupier - 80% LVR

7.19%

6.59%

6.25%

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
  • $1.2M max loan amount
After completion:
  • Visa debit card
  • Redraw facility
  • Available to split
  • Additional repayments

Construction
Owner Occupier - 90% LVR

7.39%

7.06%

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 90% LVR
  • $1M max loan amount
    After completion:
  • Visa debit card
  • Redraw facility
  • Available to split
  • Additional repayments

Construction
Investor - 80% LVR

7.29%

6.82%

6.54%

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
  • $1.2M max loan amount
After completion:
  • Visa debit card
  • Redraw facility
  • Available to split
  • Additional repayments
Owner Occupier - 90% LVR

Interest only

 

Interest rate p.a.

Comparison rate p.a.*

Post construction rate p.a.

6.43%

6.68%

6.43%

Investor - 90% LVR

Interest only

 

Interest rate p.a.

Comparison rate p.a.*

Post construction rate p.a.

6.94%

7.19%

6.94%

Owner Occupier - 90% LVR

Interest only

 

Interest rate p.a.

Comparison rate p.a.*

Post construction rate p.a.

6.43%

6.68%

6.43%

Investor - 80% LVR

Interest only

 

Interest rate p.a.

Comparison rate p.a.*

Post construction rate p.a.

6.94%

7.19%

6.94%

Owner Occupier - 80% LVR

Interest only

 

Interest rate p.a.

Comparison rate p.a.*

Post construction rate p.a.

7.19%

6.59%

6.25%

Owner Occupier - 90% LVR

Interest only

 

Interest rate p.a.

Comparison rate p.a.*

Post construction rate p.a.

7.39%

7.06%

6.84%

Investor - 80% LVR

Interest only

 

Interest rate p.a.

Comparison rate p.a.*

Post construction rate p.a.

7.29%

6.82%

6.54%

Do I qualify?

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.

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Types of home loans

...

Variable

Variable rate home loans are not fixed and can change depending on various factors, meaning your rate may increase or decrease over the life of the loan.

Read more

...

Fixed

Fixed rate home loans offer the same interest rate for an agreed period of the loan, making repayment amounts consistent for the period of time. After the fixed rate period comes to an end, the loan repayments will be calculated with a variable rate.

Read more

...

Split

Split home loans are a combination of variable and fixed loans and allow you to divide your interest into multiple accounts. For example you may have two accounts, one fixed interest rate and the other variable, allowing you to receive the perks of each loan type.

Read more

...

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.

Read more

...

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.

Read more

...

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.

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Common home loan questions

At loans.com.au we offer the option to add an offset sub-account to your 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.

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.

You can get your dream home at a great low home loan rate because of our online model. We don’t have to pay for branches or broker commissions, which means we are able to pass our savings directly on to you through low home loan rates and no ongoing, annual or monthly fees.

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. Property reports are most useful if you're looking to buy 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.

Unlike many other lenders, at loans.com.au we’re proud to say 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.

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).

At loans.com.au, you’ll need at least a 10% deposit to buy your 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 look into grants and schemes available to first home buyers which may assist with the purchase.

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.

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

To apply, simply enter a few details in our online home loan application form.

Alternatively, chat to one of our friendly lending specialists on 1300 721 819 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. Find out more information about the documents required for a home purchase or build.

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

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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.

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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.

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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.

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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.

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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.

See if you qualify for a loan

In just 2 minutes, find out if you qualify for a low rate home loan.

Start your online application

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.

Chat to a lending specialist

Our friendly home loan specialists are here to help. Book a call to get all your home loan questions answered.

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