Looking for a real good home loan?
Highly competitive rates, additional payments and fast approval process.~
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Our home loan interest rates
Home Loan | Interest Rate | Comparison Rate | Monthly Repayment | Product Features | Details |
---|---|---|---|---|---|
Variable Home LoanOwner Occupied • Principal & Interest • Up to 90% LVRMost Popular
|
5.54% p.a. | 5.58% p.a. | $2,852 |
|
Do I Qualify? |
Green Home LoanOwner Occupied • Principal & Interest • Up to 90% LVR |
5.49% p.a. | 5.95% p.a. | $2,836 |
|
Do I Qualify? |
3 Year Fixed (Special)Owner Occupied • Principal & Interest • Up to 90% LVR |
5.34% p.a. | 5.67% p.a. | $2,789 |
|
Do I Qualify? |

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"We found that loans.com.au still had a very competitive rate and we were happy with the service"
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Home loan customers
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“What a joy to deal with Liam and Emira from Loans.com. I started applying for my car loan last Thursday and by Tuesday afternoon the car dealer was paid. Liam and Emira were absolutely brilliant, professional and very informative. My mortgage comes off fixed next June and I know where I will be moving to. Thank you for everything.„
“The loan process was really easy and quick. Staff is really friendly and keep you updated. Highly recommended.„
“The fastest and easiest process I have ever had in regards to any finance. From first chat to settlement in 24 hours and constant communication the entire way! Trina is first class! Emira was SENSATIONAL! BEYOND RECOMMEND!„
“I have dealt with Jessica on a recent new home loan application and Jessica and the team was absolutely amazing to deal with. Super quick and kept with in the loop throughout the process. Second to none customer services!„
“The service and follow up provided by the loans.com.au team was impeccable. I could not have asked for a better service.„
“I was referred to loans.com.au and now I see why, they have exceptional customer service! I feel so fortunate to have had Rena and Trina handle my application. They were both incredibly friendly, kind, and efficient when it came to processing and approving my application. They genuinely care about helping others and made the entire process smooth and enjoyable.„
“I was very impressed with loans.com.au pragmatic credit policies and the excellent service I received from Emira and Trina in applying for and settling my car loan. They also have 2 very user friendly apps to help with the process. Very easy to deal with, I would definitely recommend them to anybody wanting a stress free and smooth experience.„
“Had good experience with Jasmine and Tiffany who supported me along the way from getting a pre-approval quickly, through the purchase and to the settlement. Not to mention competitive rates and borrowing power they provide.„
“Had a great experience with loans.com.au. Was the best rate/lowest fees I could find and the service was faultless. I won't be going anywhere else for vehicle financing in the future.„
“I am tremendously satisfied with Sonia and Harriet’s assistance with my loan applications. Loans.com was recommended by a family friend and Sonia portrayed immense knowledge and professionalism when working with me to get the best financial outcome. Sonia has exceptional expertise in her subject matter and was incredibly responsive, and together the team made sure I was able to meet my deadline without any stress. Fantastic experience – will highly recommend Sonia and her team at Loans.com!„
“In all my dealings with loans over the years, Stuart is hands down one of the best I’ve ever come across. His professionalism, responsiveness, and genuine willingness to help sets a new standard. I would absolutely recommend loans.com.au—and especially Stuart—to anyone looking for a hassle-free and professional mortgage experience. If I could give 6 stars in this review I would.„
“I am with Loans.com.au since 2014 and I have got multiple loans from new purchases and refinance of IP to OO loans. They have been exceeding my expectation every time. I love to deal with them directly and their lending specialist and support staff are second to none compared to other banks including the big 4. Highly recommend!„
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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.
onTrack
Fast track your loan with onTrack
- Gain 24/7 control of your application
- Get alerts straight to your phone
- Easy to download mobile app
Access at your fingertip
You now have access and complete clarity of your loan application on-the-go with onTrack mobile.
The easy to use mobile app will keep you up-to-date with the progress of your loan anytime, anywhere with alerts straight to your phone. It's now even easier to get your loan approved and settled fast, no matter where you are.
Frequently Asked Question
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.
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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)
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.
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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.
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.
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.
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.
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.
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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.
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Meet the team behind Australia's Home of Loans
We have been making it easier for Aussies to access great value home and car loans with our award-winning rates, fast approval and seamless digital experience.
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Ready to Start Saving?
You'll be taken to the pre-qualify page where we get you into seeing if you’re eligible for a loan.
How much deposit do I need for a home loan?
While home ownership is a dream for many in Australia, it is a big financial investment. It’s easily one of the most expensive purchases we’ll ever make in our lives. Saving up for the house deposit alone is one of the biggest hurdles to getting into the property market.
Are Green Homes More Valuable?
Going green isn’t a passing lifestyle trend. There’s a growing need for sustainable and eco-friendly housing as Aussies become even more environmentally conscious. In 2025, over half of all houses sold had energy-efficient elements.
How much do Australians spend on rent?
According to the latest Domain Rental Report, asking rents in Australia across most capital cities have shown signs of stalling or declining. Although there are still rent increases in most capital cities, they were not at the rate previously forecasted.
How much do Australians spend on rent?
Top Suburbs for Rental Yield in Queensland
What is a fixed rate home loan?
Eligibility requirements for a home loan
How often should you refinance your home loan?
What is Loan-to-Value Ratio (LVR)?
How does equity work when buying a second home
Mortgage Jargon buster
How much does it cost to build a house?
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