Looking for a real good home loan?
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.
Am I eligible for a home loan?
Find out in under 2 minutes if you qualify for one of our low rate home loans.
How much can I borrow?
Calculate your borrowing capacity in no time and see how much you can afford to borrow.
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2.60%
discount var rate p.a.~ -
2.96%
comparison rate p.a.*
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.
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.
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.
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!
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!
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.
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.
Read some of our real good feedback.
Our Google Rating
“ The entire team were all very patient as it took a long time for us to find a property
Extremely happy with these guys. I checked them out initially for their low rates but was most pleased with the various team members who helped arrange my loans, especially Ray the lending manager - absolute legend and he deserves a raise - such a great guy who sorted us out all along the way and explained everything very clearly. The entire team were all very patient as it took a long time for us to find a property, including a few false starts at auction. No wait times on the phone with them either. 100% recommended, especially after my experience of being with a major lender for a long time and paying above market interest rates for my loyalty.„
Lawrence I.
April 28, 2022
“ Friendly and efficient service
Seamless experience. Friendly and efficient service.„
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:
Apply Online
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.
Goodbye Paper Work
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
Settle & save
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
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).
Your estimated repayments are
Looking for a home loan under 2%? Look no further. The Smart Booster will help you boost your equity and own your own home sooner.
