Find out if you qualify

The Smart Home Loan is our super-low rate loan that will save you money on interest and fees.

It’s easy to apply online or speak to one of our Australian based loan specialists who will take care of all the paperwork for you. Applying is easy and we can settle your loan quickly so you start saving sooner. With loans.com.au you can have confidence in dealing with Australia’s largest non-bank lender.

Want to add an offset?


Add a redraw offset facility with VISA debit access to your loan to help you to pay it off faster and with less interest.

No ongoing or monthly fees

Online, ATM and VISA debit access to your money

Pay less interest on your loan!


Whenever you put money into your redraw offset facility, that money is 100% “offset” against your home loan, with VISA debit access. So, if you had a home loan of $350,000 and $5,000 in your redraw offset facility, you only pay interest on the $345,000.


You can even maximise the "offset effect" by arranging for your salary to be paid into your redraw offset facility. In this way your money is immediately put to work for you, saving interest!

 

 

Top reasons to choose Smart Home Loan

img2

Offset available
for 0.10%**

img1

No monthly or
ongoing fees

img3

Unlimited free
redraws

Other features include…

img3

Unlimited additional repayments

img5

Weekly, fortnightly and monthly repayments

img7

Smart Money app

img8

Pay your bills with BPAY

img6

Multiple loan splits available

img9

Direct debit arrangement

img10

Schedule recurring transfers




Purchase with Confidence

Designed for you to make your home loan journeyquick, simple, and reliable.

Find out more

Meet some of the team

Our friendly, Australian based, Lending and Customer Care experts will ensure you have a quick and hassle-free experience.

staff.png