LCA - FAQ - What documents will I need to provide to apply?

There are a few documents you'll need to provide in your home loan application. Some of these include: Two (2) most recent consecutive payslips for each applicant Three (3) months bank statements showing regular salary credits, including most recent salary credits with the name of the employer evident Evidence of Salary Sacrifice or Packaging (if applicable) Evidence of Company Vehicle/Car Allowance (if applicable) Six (6) consecutive months of home loan statements showing consistent repayment history (if applicable)

Looking for a real good home loan?

Highly competitive rates, additional payments and 24 hour approval.^~

Rates from***

5.79

% p.a

Comp rate*

5.83

% p.a

Variable Home Loan

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Home Loan	Interest Rate	Comparison Rate	Monthly Repayment	Product Features	Details
Variable Home Loan Owner Occupied • Principal & Interest • Up to 90% LVR Most Popular	5.79% p.a.	5.83% p.a.	$2,931	Discounted home loan rate^* 10% deposit minimum Offset sub-account available for +0.10%^{^} No monthly or ongoing fees Fee free redraw on any additional repayments Pay your bills** via BPAY	More details Do I Qualify?
Green Home Loan Owner Occupied • Principal & Interest • Up to 90% LVR	5.74% p.a.	6.19% p.a.	$2,915	Discounted 5yr green home loan rate^~~ 10% deposit minimum Offset sub-account available for +0.10%^{^} No monthly or ongoing fees Fee free redraw on any additional repayments Pay your bills via BPAY	More details Do I Qualify?
3 Year Fixed (Special) Owner Occupied • Principal & Interest • Up to 90% LVR	5.69% p.a.	5.95% p.a.	$2,899	3 year fixed term 10% deposit minimum 90 day rate lock option available^{^} No monthly or ongoing fees Up to $10,000* extra repayment/year Split with variable rate	More details Do I Qualify?

2023 WeMoney - Best for Value (Variable)

2024 Mozo - Expert's Choice for Best Green Home Loan

2022 WeMoney - Outstanding Customer Service

Our home loan products are recognised & awarded by the Australian financial industry

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“Very good rates and good service„

Jitendra G.

09 Apr 2025

Each experience has been smooth and reliable

“Friendly staff with a highly professional approach to the finance industry. I would highly recommend working with the team at loans.com.au. This is my third time using their services, and each experience has been smooth and reliable.„

Kevin W.

08 Apr 2025

Incredibly helpful throughout the process

“Sharon and Team at loans.com were amazing. She was happy to answer and explain all my questions thoroughly. Every interaction with Sharon and the Team was supportive, willing to listen and provide help when needed. Will definitely recommend Loans.com especially working with Sharon and Lee Li.„

Aman P.

01 Apr 2025

Very helpful, making the process easy

“The staff were very helpful, making the process easy. I was slow at times to respond but they cheerfully dealt with this until I was approved. I am very impressed.„

Kendall H.

01 Apr 2025

Straightforward

“Straightforward, pleasant, very helpful staff.„

Liz M.

30 Mar 2025

Very helpful and understanding

“Tannah was very helpful and understanding. It's been a very smooth process and great communication on their part!„

Billy T.

28 Mar 2025

Very smooth

“Fabulous Team, thank you so much for a very smooth & successful application!„

Maree L.

27 Mar 2025

Lowest interest rates and easy service

“Returning to loans.com.au for lowest interest rates and easy service.„

Kylie H.

14 Mar 2025

Smooth and fast process

“Friendly customer service. Smooth and fast process without any hassle. Had the loan settled within 2 days of providing necessary documents. A big thank you to Cherie and Rena for their kind and prompt assistance„

Surani F.

14 Mar 2025

Great service

“Great people and great service. Went smoothly and swiftly„

Danny K.

02 Mar 2025

Excellent Service & Fast Process!

“I had a fantastic experience with Loans.com.au. Their advisors were friendly, clear, and ensured my application was in top shape before submission, maximizing the chances of approval. I was thrilled that the entire process was completed in just one day, with settlement happening the very next day! Special thanks to Aichi and Liam for their outstanding support. Highly recommend!„

Sai P.

03 Feb 2025

Excellent communication

“Excellent communication that was timely and thoughtful. Thank you to Sharon for her help through this process.„

Bek D.

27 Jan 2025

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4.5 481 reviews

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Our home loan application process

Apply online

Simply fill out your application online by entering some of your details, or chat to one of our friendly lending specialists over the phone and they can complete your application for you.

Goodbye paperwork

After your application is complete, use our system we call onTrack on your desktop or device to add your documentation such as payslips and bank statements, and track the progress of your application.

Settle

Your loan will settle, and you’ll enjoy your new loan rate.

Apply Online

How it works

Frequently Asked Question

How long does it take to get to settlement?

The settlement process is different depending on each individual applicant's personal situation, but we generally say it can take anywhere between 4 to 6 weeks. To get to settlement, you'll need to apply, speak to one of our lending specialists, upload your documentation, get the property valued, have your loan approved and the documentation delivered and signed, then you'll settle.

What documents will I need to provide to apply?

There are a few documents you'll need to provide in your home loan application. Some of these include:

Two (2) most recent consecutive payslips for each applicant
Three (3) months bank statements showing regular salary credits, including most recent salary credits with the name of the employer evident
Evidence of Salary Sacrifice or Packaging (if applicable)
Evidence of Company Vehicle/Car Allowance (if applicable)
Six (6) consecutive months of home loan statements showing consistent repayment history (if applicable)

What are the settlement fees?

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.

Why do you offer such low rates? What’s the catch?

You can get your dream home at a low rate because we don't have to pay for branches or broker commissions and have innovative technology processes, which means we pass our savings directly on to you.

How do I manage my payments after settlement?

After settlement, you'll nominate on your direct debit form when you start repayments. Our Customer Care team will also confirm your repayment dates when calling you at loan settlement. Additional repayments into a fixed home loan are allowed and are up to $10,000 per year.

Do you have a 'refer a friend' program?

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.

How do I apply?

To apply for any of our loans, visit: https://www.loans.com.au/apply or call 1300 528 731 and one of our lending specialists can help, or even complete the application for you.

Do you offer an offset sub-account?

Yes, we do offer the option to add an offset sub-account to our variable products for an additional 0.10%^. For more information on this, please call one of our lending specialists on 1300 528 731.

How much deposit do I need to have?

loans.com.au requires a minimum deposit of 10% of the purchase price of the property, or the current value of the property if you are refinancing. To avoid paying Lenders Mortgage Insurance (LMI), borrowers need a 20% deposit in most cases.