Compare our home loan rates

As an online lender, we operate without the overheads of a physical branch network or broker commissions. Our digital processes and innovative technology help us keep costs down. This allows us to pass those savings directly on to you through competitive home and car loan rates.

An offset sub-account is linked to your home loan and helps reduce the interest you pay. Instead of earning interest like a regular savings account, the balance in your offset reduces the portion of your loan that accrues interest. This can help you pay off your loan faster and save on interest costs.

Key things to know:

• It's a sub-account of your loan, not a separate deposit account.
• Funds in the offset sub-account are not covered by the government deposit guarantee.
• The offset cannot exceed your home loan balance.

If you have any questions, our friendly team is here to help!

We sure do! Introduce someone to loans.com.au and we'll reward you when they settle their loan with us!

For home loans, we'll give you a huge $1000 bonus when they settle their home loan with us and your friend will also receive $1000.

For car loans, we'll give you a huge $250 bonus when they settle their car loan with us and your friend will also receive $150 off their settlement fee.

You can apply for a home loan with loans.com.au at your convenience, 24/7 via our online platform. Upload your documents and monitor your application in real time via our onTrack portal. Our Australian-based lending specialists are here to guide you through the loan process.

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. For more information on timeframes and documents required for your application:
What documents do I need to refinance my home loan?

We charge a $300 settlement fee plus a security assessment fee. The security assessment fee for a standard property in a metropolitan area in a major city starts at $230 for properties valued up to $1 million. The security assessment fee is not refundable and is payable when the security assessment is ordered.