LCA - FAQ - What documents will I need to provide to apply?

There are a few documents you'll need to provide in your home loan application. Some of these include: 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)

Flexibility starts with our variable rate home loan!

Borrow up to 90% and feel right at home sooner.

Multi-award winning

Variable Home Loan

5.54

p.a

Rates from***

5.58

p.a

Comparison rate*

Discounted home loan rate^***
Offset sub-account available for +0.10%^
No monthly or ongoing fees
Fee Free redraw on any additional repayments
Pay your bills via BPAY
Access your account via Smart Money app

Do I Qualify?

Our Google Rating

4.5

524 reviews

Why choose a variable rate home loan?

Offset available for 0.10%^

Add an offset sub-account with Visa debit card access to your variable rate loan to help you to pay it off faster and with less interest.

Zero monthly or ongoing fees

Enjoy a variable rate home loan with no hidden fees or charges.

Unlimited free redraws

Benefit from our variable rate home loan by making extra repayments on your loan with unlimited redraws at no extra cost. It's that easy.

Quick and easy process

Apply online or chat to one of our Australian based home lending specialists, for a quick decision and easy application.

Owner Occupier Rates

Repayment Type

Principal & Interest Interest Only

Maximum LVR of 90%

Product	Interest rate from	Comparison rate
Variable Home Loan	5.54% p.a.***	5.58% p.a.*

Maximum LVR of 80%

Product	Interest rate from	Comparison rate
Variable Home Loan	6.04% p.a.***	5.91% p.a.*

Key Features

Up to 30 years loan term	Yes
Available for refinance or purchase	Yes
Unlimited additional repayments	Yes
	Yes

Fees

Application fee	$0
Ongoing fees	$0
Security assessment fee	$230
Government fees	At cost
Settlement fee	$300

Variable Home Loan eligibility

Do I Qualify?

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Absolutely brilliant, professional and very informative

“What a joy to deal with Liam and Emira from Loans.com. I started applying for my car loan last Thursday and by Tuesday afternoon the car dealer was paid. Liam and Emira were absolutely brilliant, professional and very informative. My mortgage comes off fixed next June and I know where I will be moving to. Thank you for everything.„

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19 Jun 2025

The loan process was really easy and quick

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18 Jun 2025

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17 Jun 2025

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12 Jun 2025

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07 Jun 2025

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4.5 524 reviews

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It's fast & easy to get a loan with loans.com.au

Apply online

Simply fill out your loan 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.

Speak to a specialist

You will then have a phone appointment with one of our lending specialists to finalise your application, and help you progress through the loan approval process through to settlement as quickly as possible.

Upload documents (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.

Settle

Your loan will settle, and you’ll enjoy your new loan rate.

Apply Online

How it works

Frequently asked questions

Why do you offer such low rates? What’s the catch?

You can get your dream home at a low rate because we don't have to pay for branches or broker commissions and have innovative technology processes, which means we pass our savings directly on to you.

Does this loan come with an offset sub-account?

For an extra 0.10%^ to the loan, you can add a 100% offset sub-account with online, ATM, EFTPOS & Visa debit card access to your money, plus unlimited free redraws. For more information on our home loan with an offset sub-account: https://www.loans.com.au/home-loans/offset-account/

How do I apply?

To apply to any of our loan options, visit: https://www.loans.com.au/apply or call 1300 471 806 and one of our lending specialists can help, or even complete the application for you.

What documents will I need to provide to apply?

There are a few documents you'll need to provide in your home loan application. Some of these include:

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)

How much deposit do I need to have?

loans.com.au requires a minimum deposit of 10% of the purchase price of the property, or the current value of the property if you are refinancing. To avoid paying Lenders Mortgage Insurance (LMI), borrowers need a 20% deposit in most cases.

How long does it take to get to settlement?

The settlement process is different depending on each individual applicant's personal situation, but we generally say it can take anywhere between 4 to 6 weeks. To get to settlement, you'll need to apply, speak to one of our lending specialists, upload your documentation, get the property valued, have your loan approved and the documentation delivered and signed, then you'll settle.

How do I manage my payments after settlement?

After settlement, you'll nominate on your direct debit form when you start repayments. Our Customer Care team will also confirm your repayment dates when calling you at loan settlement. Additional repayments into a fixed home loan are allowed and are up to $10,000 per year.

What are the settlement fees?

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.

Do you have a 'refer a friend' program?

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.

Konnie

Lending Specialist

Real humans based in Brisbane, Australia

As an experienced lending specialist, Konnie and our team can answer all your questions to get you on track.

Smart friends

Real Good Rewards

As a loans.com.au customer, if you refer a new customer to us we’ll reward you.

$1,000 New Home Loan Customer

$250 New Car Loan Customer

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Ready to start saving?

You'll be taken to the pre-qualify page where we get you into seeing if you’re eligible for a loan.

Do I Qualify?

Flexibility starts with our variable rate home loan!

Variable Home Loan

Why choose a variable rate home loan?

Work out your loan repayments

Your loan details

Variable Home Loan

A home loan that saves you more.

Owner Occupier Rates

Repayment Type

Key Features

Fees

Variable Home Loan eligibility

"We found that loans.com.au still had a very competitive rate and we were happy with the service"

Join our other customers

Our Google rating

As seen on...

It's fast & easy to get a loan with loans.com.au

onTrack

Frequently asked questions

Why do you offer such low rates? What’s the catch?

Does this loan come with an offset sub-account?

How do I apply?

What documents will I need to provide to apply?

How much deposit do I need to have?

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How much deposit do I need for a home loan?

How long does it take to get to settlement?

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What is Property Settlement?

How do I manage my payments after settlement?

What are the settlement fees?

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Complete guide to home loan fees

Do you have a 'refer a friend' program?

Real humans based in Brisbane, Australia

Smart friends

Real Good Rewards

Ready to start saving?

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What you will need to refinance your home loan

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