Home loans
Competitive rates, flexible repayments, and fast approvals to get you moving.
Our home loan interest rates
| Home Loan | Interest Rate | Comparison Rate | Monthly Repayment | Product Features | Details |
|---|---|---|---|---|---|
Variable Home LoanBorrow up to 90% LVR at a discounted rate*** |
5.29% p.a. | 5.33% p.a. | $2,773 |
|
Do I Qualify? |
Solar Home LoanBorrow up to 90% LVR at a discounted rate for 5 years~~~ |
5.24% p.a. | 5.70% p.a. | $2,758 |
|
Do I Qualify? |
3 Year Fixed (Special)Borrow up to 90% LVR |
5.34% p.a. | 5.49% p.a. | $2,789 |
|
Do I Qualify? |
Mark
Customer reviews
Our Google Rating
As seen on...
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.
Frequently Asked Question
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.
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.
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.
Buying a townhouse: pros and cons
Townhouses can be an affordable option for buyers who want the benefits of a house but don't want to live in an apartment.
Average Australian Mortgage Size in 2025
According to the latest lending indicators from the Australian Bureau of Statistics (ABS), the average mortgage size for owner-occupier dwellings is $631,000 as of June 2025. Values have decreased by $29,000 from March 2025. However, compared to June of last year, the average mortgage size has increased by $47,000 or 7.44%.
Top Suburbs for Rental Yield in Tasmania
Explore Tasmania’s growing property market. Find out which suburbs offer strong rental yields and rising values for smart real estate investment.
Top Suburbs for Rental Yield in Queensland
Should you choose a fixed rate home loan?
7 Steps to buying your next home
Welcome to loans.com.au _
Just in case we lose you, may I ask for your contact details....