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How does it work?
If you are a home buyer or looking to refinance and have at least a 20% deposit, you can take advantage of the 1.85% variable rate for the first 24 months of your loan. We also offer a 1.99% variable rate loan for the first 12 months.
What’s so good about this loan?
The Smart Booster Home Loan is our lowest rate home loan which allows you to boost your savings, build up your equity and own your home, sooner.
No matter whether you’re buying your first home, a new home or looking to refinance to a better rate, we’re here to help you save thousands.
You also have the option to split this loan with one of our low fixed rate loans. You’ll have unlimited repayments and unlimited free redraws, with the option to add an offset sub-account to the loan.
Get started
Apply online today. Or, one of our friendly lending specialists can do the hard work for you and manage your paperwork over the phone.
Either way, we can settle your loan quickly so you can start saving thousands sooner.
Smart Booster Home Loan Rates
Product Name
Initial Rate
Rollover Rate
Comparison Rate*
Max LVR
Smart Booster Home Loan~ SPECIAL OFFER
Discount Variable - 2 year
1.85%
2.25%
2.21%
80%
Smart Booster Home Loan~
Discount Variable - 1 year
1.99%
2.48%
2.47%
80%
Initial Rate
1.85%
Rollover Rate
2.25%
Comparison Rate*
2.21%
Max LVR
80%
Initial Rate
1.99%
Rollover Rate
2.48%
Comparison Rate*
2.47%
Max LVR
80%
Want to see more home loan options? Compare our home loans
Reasons to add an offset
Add an offset sub-account with Visa debit card access to your loan to help you to pay it off faster and with less interest.
Whenever you put money into your offset sub-account, that money is 100% "offset" against your home loan, with Visa debit card access. So, if you had a home loan of $350,000 and $10,000 in your offset sub-account, you only pay interest on the $340,000.
You can even maximise the "offset effect" by arranging for your salary to be paid into your offset sub-account. In this way your money is immediately put to work for you, saving interest!
Top reasons to choose this loan
Offset available for 0.10%^
Add an offset sub-account with Visa debit card access to your loan to help you to pay it off faster and with less interest.
No monthly or ongoing fees
Having zero recurring fees means you save thousands over the course of your loan.
Unlimited free
redraws
Reduce your loan term, whilst still having access to your savings.
$0
Application fee
As an online lender, we save in overhead costs and pass those savings directly on to you. So, we don't charge you an application fee.
$0
Ongoing fees
No recurring monthly or annual fees helps save you thousands over the life of your loan.
$0
Repayment fee
No fees to make additional repayments and no limit to the number of additional repayments you can make, so you can pay your loan off sooner.
Calculate your home loan repayments.
Our online loan application process
At loans.com.au, we make borrowing simple. We’re here to help you from application through to settlement.
Apply online
Fill out our application online or talk to one of our Australian-based lending specialists to do the hard work for you.
Goodbye paperwork!
Login to onTrack and easily upload the required documents. Plus, you can track your application through to approval.
Settle & save
Our innovative online process gets you to settlement quickly, so you can start saving thousands sooner.
Frequently asked questions
- 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)
If you have income paid to more than one account you'll need statements for all those accounts. Alternatively, you could provide your most recent Tax Assessment Notice and a letter from your employer that confirms your salary.
If you're self-employed, the paperwork will be slightly different. When you refinance a loan, you'll need to provide evidence of your ability to make repayments, so your lender will request two years of business and personal tax returns and ATO assessments.
To avoid paying Lenders Mortgage Insurance (LMI), borrowers need a 20% deposit in most cases.
Once your loan application has been submitted, you will be given access to our online portal onTrack. In onTrack, we will collect some more information from you and you can track your application. When your loan settles, you will be given your referral code in onTrack.
You can refer as many people as you like!
At loans.com.au, we help people into their dream homes and cars.
For the last 10 years, thousands of Aussies have trusted our experienced & locally based team with some of their biggest financial decisions - buying a home, a new car or refinancing to save on interest.
Our customers trust us to support them with low home loan and car loan rates, approved quickly through our easy-to-use online app.
loans.com.au is completely safe and financially backed by Firstmac, Australia’s 12th largest lender. Firstmac has been operating successfully for more than 40 years, and has $14 billion in mortgages under management, as Australia’s leading non-bank lender.
We are also actively involved in our local community with our loans.com.au Women, Children & Community Program designed to support Australian charities on their mission to raise awareness for important causes.
Read our storyCustomer Feedback
They were always available to provide quick answers to questions
The application process was straightforward as long as you could provide the required information without much hassle. They were always available to provide quick answers to questions and in a friendly manner. The organisation is located within Australia. Once we learnt the secure way of uploading information, the system worked extremely well. This company has very low interest rates and worked quickly to met our tight settlement deadline. Would recommend to anyone wanting a home loan.
Brian A.
October 13, 2021
The process and procedures are really clear and helpful
It is such a smooth journey with loans.com.au. Our loan manager Ray is so productive and professional, he gave all the advice we need and help us to purchased the dream home. Settlement team always works closely with us, the process and procedures are really clear and helpful. You are always my first choice. Many thanks, Jenny.
Jenny B.
October 05, 2021
Customer service staff calling and checking in and helping you along the way
We took out a car loan with loans.com.au, I can say it was simple, and fast, the system that Loans uses keeps you updated with what's going on at all times, backed by friendly customer service staff calling and checking in and helping you along the way. Wish we had used them for our home loan. I have always said I could never work in banking but I would be proud to work for this company!
Sean W.
October 01, 2021
