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)

Home loans

Highly competitive rates, additional payments and fast approval process.^~

Rates from***

5.29

% p.a

Comp rate*

5.33

% p.a

Variable Home Loan

Our google rating

4.5 561 reviews

Multi-award winning

Our home loan interest rates

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Loan amount

Loan reasons

Purchasing

Refinancing

Building

Loan type

Owner Occupier

Investment

Home Loan	Interest Rate	Comparison Rate	Monthly Repayment	Product Features	Details
Variable Home Loan Borrow up to 90% LVR at a discounted rate^***	5.29% p.a.	5.33% p.a.	$2,773	Offset sub-account available for only +0.10%^{^} No transaction fees for redraws No monthly or ongoing fees	More details Do I Qualify?
Solar Home Loan Borrow up to 90% LVR at a discounted rate for 5 years^~~~	5.24% p.a.	5.70% p.a.	$2,758	Offset sub-account available for only +0.10%^{^} No transaction fees for redraws No monthly or ongoing fees	More details Do I Qualify?
3 Year Fixed (Special) Borrow up to 90% LVR	5.34% p.a.	5.49% p.a.	$2,789	Split with variable rate 90 days rate lock option^{*^} No monthly or ongoing fees	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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Ready to start saving on your home loan?

You'll be taken to the pre-qualify page where we get you into seeing if you’re eligible for a loan.

Do I Qualify?

Real-life customer stories

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Mark

Meet Mark, a customer of ours who came to us when he wanted to refinance his home.

As a result of a change in circumstances, I had to refinance my home.
I found loans.com.au and applied for a loan. They were very good. Philip and Sonya communicated well and worked speedily to progress my application throughout a challenging settlement situation.

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Join our other customers

Absolutely brilliant, professional and very informative

“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.„

Carolyn G.

19 Jun 2025

The loan process was really easy and quick

“The loan process was really easy and quick. Staff is really friendly and keep you updated. Highly recommended.„

Vishal K.

18 Jun 2025

The fastest and easiest process I have ever had in regards to any finance

“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!„

Brian S.

17 Jun 2025

The team was absolutely amazing to deal with

“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!„

Simon L.

16 Jun 2025

I could not have asked for a better service

“The service and follow up provided by the loans.com.au team was impeccable. I could not have asked for a better service.„

Caraman C.

13 Jun 2025

I was very impressed with loans.com.au

“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.„

Joe F.

12 Jun 2025

They have exceptional customer 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.„

Rojina R.

12 Jun 2025

Had good 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.„

Gleb L.

11 Jun 2025

Had a great experience with loans.com.au

“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.„

John M.

10 Jun 2025

I am tremendously satisfied

“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!„

Ridhima G.

10 Jun 2025

If I could give 6 stars in this review I would

“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.„

Beau B.

10 Jun 2025

I love to deal with them directly

“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!„

Shiva S.

07 Jun 2025

Our Google rating

4.5 561 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.

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.