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Find the right home loan for you

Buying a new home is an exciting time - whether it’s buying your first home, an investment property, upsizing to start a family or downsizing because your kids have fled the nest. We’re here to help you get the finance sorted so you can focus on finding the perfect home for you.

Whether you’re buying a new unit, an established property, building a new home or even refinancing, we’re here to assist with some of the lowest rates in market. We’ll even offer a ‘green’ discount if your home is built to an environmentally friendly and certified standard! Read on to find out why Aussies have trusted us for the last 10 years with their home loan.

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Am I eligible for a home loan?

Find out in under 2 minutes if you qualify for one of our low rate home loans.

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How much can I borrow?

Calculate your borrowing capacity in no time and see how much you can afford to borrow.

We're recognised & awarded by the Australian financial industry. View all awards

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Smart Booster Home Loan
  • 2.60%
    discount var rate p.a.~
  • 2.96%
    comparison rate p.a.*

Get our lowest rate ever with the option to add an offset sub-account.

Loans for buying my home



Why choose loans.com.au?

loans.com.au is an award-winning online lender that is proudly Australian and based in the heart of Brisbane, with offices in other capital cities.

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Low interest rates

We can offer extremely low rates because our online model is so efficient. Fewer overheads mean doing business costs less and those savings translate directly into lower interest rates and fees for our customers.

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Australian based support team

We have an experienced, Australian based team. At every step of the way, you’ll talk to a real person from our friendly team of lending specialists who are here to help you.

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Flexible options

We offer great low rates on our fixed, variable and split home loans. We also offer discounts for large deposits or customers with owner occupied and investment properties. We even offer a green home loan discount if your home is energy efficient!

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Award winning

By keeping our interest rates low and revolutionising the loan application process, we keep on winning awards for our products, innovations and customer service, year after year!

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Hassle free

For both our home and car loans, you can find out if you pre-qualify in just minutes. The application process is simple, online, plus we’re here to help at each step of the way.

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onTrack advantage

onTrack is our online app which allows you to complete your home loan application on your device from initial contact through to settlement and beyond. In onTrack you can complete your loan application in your own time, as it suits you.

Our people

We care about getting you into your new home.

OUR PEOPLE

Read some of our real good feedback.

Our Google Rating

4.7

| 392 reviews

Lawrence I.

April 28, 2022

Garth W.

April 25, 2022

Our process

loans.com.au makes it easy to finance your home or investment property, so you can start saving thousands sooner. Here’s how:

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Application

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.

What you do

Complete a quick pre-qualification online to see if you qualify or book an appointment at a time that suits you to speak with a home loan specialist.

What we do

Contact you at a time that works for you to discuss the information you provided or complete your application for you.

onTrack

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.

What you do

Log into onTrack
Upload supporting documents

What we do

Verify your information

Settlement

Your loan will settle and you'll start saving with your new low rate, and get your keys to your new dream home!

What you do

Get the keys to your new home
Start saving!

What we do

Once settlement is complete, we'll send you login credentials to Smart Money

Apply Online

Home loan repayment calculator

Use our home loan calculator to estimate what your monthly mortgage repayments could be. Whether you're refinancing or just wanting to understand how much you can afford, all you have to do is enter how the amount you would like to borrow, interest rate, home loan term, payment frequency, and repayment type (either principal & interest or interest-only).

%
years
years
Estimated savings from repayments graph

Your estimated repayments are

$72.43
$20,000
$6,076

Calculator assumptions