Offer ends 15th December.*

Home Buyer Offset

A fully-featured, low rate loan for home buyers.
Rates from:

  • 3.49%
    variable rate p.a.*
  • 3.51%
    comparison rate p.a.*
$

Act quickly to secure these super low rates while they last!

We are excited to announce that our Spring Special Offer has been extended for a limited time! Act quickly to secure these super low rates. Offer ends 15th December.*

Our limited time offer not only gives you an unprecedented low rate but also an unlimited offset redraw facility. This means you save on interest while enjoying the benefits of an everyday offset account.

There are no application fees and no monthly or annual fees. Plus you have flexible repayment options and a Visa debit card for purchases and cash withdrawals worldwide. 

Now that's a home loan packed full of smart features.
 

Online doesn't mean impersonal, lets talk!

Hannah has been with loans.com.au for over 5 years. As an experienced Senior Support Officer, Hannah can answer all your questions and help you start saving sooner.

Speak to one of our friendly and experienced support team, like Hannah, to find the right low rate loan package for you.

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Offset home loan features

  • Your offset redraw facility has no monthly fees, no setup costs, no minimum withdrawal or redraw fees and unlimited access to your funds.
  • Visa debit card
  • Unlimited free redraws with no minimum redraw amount
  • Available for owner occupied purchases
  • Split loan facility – up to five free splits with fixed rate or identical variable loan product ^
  • Unlimited additional repayments on variable rate loans
  • 24/7 unlimited access to your account online and by phone
  • Weekly, fortnightly and monthly repayment options

The Offset Effect

Many people choose to take out a home loan with a 100% offset redraw facility because it can help them to pay off their loan faster, and with less interest.

Whenever you put money into your offset redraw facility that money is 100% “offset” against your home loan.

Let’s look at an example.

the offset effect

Refinancing your home loan?

Refinance with a fully-featured, low rate loan. With a rate this low and an offset redraw account, you know it’s a smart switch!

 

refinance rates

Our awards

In 2016, loans.com.au has received 5 star ratings for our variable rate home loans from Canstar. We also were named the 2015 Home Lender of the year in Mozo's Expert Choice Award plus many others, including Money Magazine's Cheapest Home Loan - Non-bank two years in a row.

See all our awards

Fast track your application

If you're ready to move fast on your home loan, we can get you there with our speedy, hassle-free online application process.

Get your loan from approval to settlement quickly with onTrack, giving you control over your application, 24 hours a day, 7 days a week.

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Receive a free loans.com.au property report

To help you find the perfect home, we’d like to give you a free loans.com.au Comparative Market Analysis (CMA) property report. Our reports provide a breakdown of information about the property you are considering, including previous sale prices. It also offers valuable information about the area, such as median house prices, recent sales figures, and the local community demographics.

Tips for buying a house in spring

Who doesn’t love spring? It’s the season of new life and renewal and when it comes to the residential property market, it’s the busiest time of the year. After the cold winter months when homebuyers (and sellers) go into hibernation, spring’s arrival brings the market alive as the weather warms up and the flowers start to bloom.
 
Keep the following tips in mind for successful house hunting in spring.

100% online means you save

Loans.com.au doesn’t have a branch network to maintain or mobile bankers to pay. Fewer overheads mean doing business costs less and those savings translate directly into lower interest rates and fees for you.

Driving industry change and operating wholly online means loans.com.au always has competitive rates, so you can be confident you are always ahead of the game.

Although we are a digital company, online doesn’t mean impersonal. You will be assigned a personal team of two, your Lending Manager and Service Manager, to help you throughout your application process. You will get to know your team well as they guide you towards your loan settlement day. This direct relationship is one of our key focuses.

Features, rates & fees brochure

Get all the information you need on different loan features, rates & fees in this easy-to-read loans guide.

From streamlined packages to fully-featured loans, you will find the low-rate home loan to suit your lifestyle.

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