Owner occupier rates
We have low rate home loans to help make buying your first or next home affordable, and speedy processing times so you can get the keys in no time. Or, if you're refinancing, we have a simple refinancing process so you can start saving on your home loan repayments, sooner.
Home Loan | Interest rate p.a. from | Comparison rate p.a.* | Max LVR | Details |
---|---|---|---|---|
Variable |
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Variable Home Loan | 5.29% | 5.33% | 90% | Loan details |
Solar Home Loan | 5.24% | 5.70% | 90% | Loan details |
ZIP Home Loan | 5.69% | 5.73% | 80% | Loan details |
Fixed |
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Bridging Loan | - | - | - | Loan details |
1 Year Fixed | 5.69% | 5.56% | 90% | Loan details |
2 Year Fixed | 5.59% | 5.55% | 90% | Loan details |
3 Year Fixed (Special) | 5.34% | 5.49% | 90% | Loan details |
4 Year Fixed | 5.89% | 5.68% | 90% | Loan details |
5 Year Fixed | 5.64% | 5.62% | 90% | Loan details |
Home Loan | Interest rate p.a. from | Comparison rate p.a.* | Max LVR | Details |
---|---|---|---|---|
Variable |
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Variable Home Loan | 5.79% | 5.65% | 80% | Loan details |
Solar Home Loan | 5.74% | 5.91% | 80% | Loan details |
ZIP Home Loan | - | - | - | Loan details |
Fixed |
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Bridging Loan | 7.50% | 5.83% | 80% | Loan details |
1 Year Fixed | 6.09% | 5.59% | 80% | Loan details |
2 Year Fixed | 5.99% | 5.63% | 80% | Loan details |
3 Year Fixed | 6.04% | 5.68% | 80% | Loan details |
4 Year Fixed | 6.29% | 5.81% | 80% | Loan details |
5 Year Fixed | 6.39% | 5.93% | 80% | Loan details |
Investor rates
Our low rate investment loans make it simple for you to buy your investment property or start saving on your investment loan repayments, as soon as possible.
Home Loan | Interest rate p.a. from | Comparison rate p.a.* | Max LVR | Details |
---|---|---|---|---|
Variable |
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Variable Investor Home Loan | 5.59% | 5.63% | 90% | Loan details |
Investor Package | 5.53% | 5.57% | 80% | Loan details |
Solar Investor | 5.44% | 5.78% | 90% | Loan details |
Expat Home Loan | 6.83% | 6.87% | 80% | Loan details |
Fixed |
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1 Year Fixed Investor | 5.89% | 5.84% | 90% | Loan details |
2 Year Fixed Investor | 5.79% | 5.83% | 90% | Loan details |
3 Year Fixed Investor | 5.84% | 5.84% | 90% | Loan details |
4 Year Fixed Investor | 6.09% | 5.94% | 90% | Loan details |
5 Year Fixed Investor | 6.19% | 6.03% | 90% | Loan details |
Home Loan | Interest rate p.a. from | Comparison rate p.a.* | Max LVR | Details |
---|---|---|---|---|
Variable |
||||
Variable Investor Home Loan | 5.99% | 5.91% | 90% | Loan details |
Investor Package | 5.93% | 5.88% | 80% | Loan details |
Solar Investor | 5.74% | 5.91% | 90% | Loan details |
Expat Home Loan | 7.03% | 6.95% | 80% | Loan details |
Fixed |
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1 Year Fixed Investor | 6.29% | 5.88% | 80% | Loan details |
2 Year Fixed Investor | 6.19% | 5.90% | 80% | Loan details |
3 Year Fixed Investor | 6.24% | 5.95% | 80% | Loan details |
4 Year Fixed Investor | 6.49% | 6.07% | 80% | Loan details |
5 Year Fixed Investor | 6.59% | 6.19% | 80% | Loan details |
SMSF rates
Looking for a competitive SMSF loan rate? loans.com.au has some of the most competitive SMSF loan offers in the market.
SMSF residential home Loan | Interest rate p.a. from | Comparison rate p.a.* | Max LVR | Details |
---|---|---|---|---|
Variable |
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SMSF Residential 70 | 6.24% | 6.26% | 70% | Loan details |
SMSF Residential 80 | 6.74% | 6.76% | 80% | Loan details |
Fixed |
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SMSF Residential 80 (Fixed 2 Years) | 6.59% | 6.73% | 80% | Loan details |
SMSF Residential 80 (Fixed 3 Years) | 6.64% | 6.73% | 80% | Loan details |
SMSF Residential 80 (Fixed 5 Years) | 6.99% | 6.87% | 80% | Loan details |
SMSF commercial home Loan | Interest rate p.a. from | Comparison rate p.a.* | Max LVR | Details |
---|---|---|---|---|
Variable |
||||
SMSF Commercial 70 | 6.94% | - | 70% | Loan details |
SMSF Commercial 80 | 7.24% | - | 80% | Loan details |
Fixed |
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SMSF Commercial 80 (Fixed 2 Years) | 7.74% | - | 80% | Loan details |
SMSF Commercial 80 (Fixed 3 Years) | 7.79% | - | 80% | Loan details |
SMSF Commercial 80 (Fixed 5 Years) | 8.14% | - | 80% | Loan details |
Construction rates
Let us help build or renovate your dream property with a low rate construction loan, and dedicated Construction Team to help you from start to finish.
Construction Home Loan | Interest rate p.a. from | Comparison rate p.a.* | Post construction rate p.a. | Max LVR | Details |
---|---|---|---|---|---|
Variable |
|||||
Green Construction | 5.68% | 5.94% | 5.68% | 90% | Loan details |
Solar Construction | 5.68% | 5.94% | 5.68% | 90% | Loan details |
Construction | 6.44% | 5.68% | 5.50% | 80% | Loan details |
Construction | 6.64% | 6.24% | 6.09% | 90% | Loan details |
Construction Home Loan | Interest rate p.a. from | Comparison rate p.a.* | Post construction rate p.a. | Max LVR | Details |
---|---|---|---|---|---|
Variable |
|||||
Green Construction Investor | 6.19% | 6.15% | 6.19% | 90% | Loan details |
Solar Construction Investor | 6.19% | 6.15% | 6.19% | 80% | Loan details |
Construction Investor | 6.54% | 6.32% | 6.19% | 80% | Loan details |
Construction Investor | 6.74% | 6.79% | 6.69% | 90% | Loan details |
Complete your home loan application in 3 minutes
Apply online yourself or call our friendly lending specialists and they can do the hard work for you. The application is quick and easy, so get started on yours today.

Types of home loans
Variable home loans |
A variable rate home loan is a type of loan with a rate that can fluctuate throughout the life of the loan, depending on various factors such as lender funding costs and market conditions. |
Read more |
Fixed loans |
A fixed rate home loan is a home loan where the interest rate will remain the same for the entire fixed term, often between 1 to 5 years and chosen by the customer. After the fixed rate term is complete, the loan will revert to a variable rate loan. |
Read more |
Split loans |
Split home loans are a combination of variable and fixed loans and allow you to divide your interest into multiple accounts. For example you may have two accounts, one fixed interest rate and the other variable, allowing you to receive the perks of each loan type. |
Read more |
Principal and interest |
Principal and interest repayments are a type of loan repayment where you will pay back the balance (the principal) of your loan amount borrowed, as well as the loan interest, in one single monthly, fortnightly, or weekly repayment. |
Read more |
Interest Only |
Interest only repayments are a type of loan repayment where you will only pay the monthly interest repayment on your home loan for a set period of time, often a 1 or 5 year term. Once the interest only repayment period is complete, the loan will change to principal and interest repayments. This repayment option is a popular choice amongst property investors. |
Read more |
Owner occupier |
Owner occupied loans are for those who purchase a home and live in it straight away. You are not able to get an owner occupied loan type if you are renting your property out to tenants. |
Read more |
Investment |
If you’re purchasing a house with the purpose of renting it out to tenants, you’ll need an investment home loan. They function the similarly to owner occupied loans, but also have other features to benefit the investor. |
Read more |
Common home loan questions
You have the option to add a 100% offset sub-account to your variable home loan. Many people choose to do this to help pay their home loan faster and save thousands on interest payments. 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. find out more information on adding an offset-sub account.
Stamp duty is a tax imposed by state governments in Australia on the purchase of assets such as real estate. There are many factors involved in determining the cost of stamp duty for a property. These include:
- The state you’re buying in – All states have different methods of calculating stamp duty so the amount will differ.
- The price of the property – In general, the cheaper the property is the less stamp duty you will pay.
- The type of home you’re buying – Vacant land will have less stamp duty compared to an established home.
You can get your dream home at a great low home loan rate because of our online model. We don’t have to pay for branches or broker commissions, which means we are able to pass our savings directly on to you through low home loan rates and no ongoing, annual or monthly fees.
Our property reports provide information such as Estimated property value, Property mapping, Properties sold in the area, Market comparison, Median sale prices in the area and Suburb insights. Property reports are most useful if you're looking to buy a new property, know the address and want to determine if it’s the right property for you, or potentially in a high growth area.
Unlike many other lenders, at loans.com.au we're proud to say we charge no monthly, annual or ongoing fees.The only fees you will pay on your home loan are a one-off $300 settlement fee plus a security assessment fee, which for a standard property in a metropolitan area in a major city starts at $230 for properties valued up to $1 million.
Lender's Mortgage Insurance is an insurance policy that protects the lender from financial loss in the event that the borrower can’t afford to keep up their home loan repayments. If you have saved a deposit of 20% or more, you won’t have to pay "Lender's Mortgage Insurance" (LMI).
At loans.com.au, you’ll need at least a 10% deposit to buy your home. If you want to avoid paying Lenders Mortgage Insurance (LMI), we recommend you save at least a 20% deposit of the property price. We also recommend you look into grants and schemes available to first home buyers which may assist with the purchase.
We can provide approval for applicants in as little as 2-3 days, pending the customer's individual circumstances and all correct documentation has been provided. It's important to note that this is not a 'one size fits all' number, and the approval time will depend on each individual applicant's circumstances.
We'd always advise our customers to have the right documentation ready at application stage, so you can move forward with your application as quickly as possible.
One of the benefits of being a first time home buyer in Australia is the access to a First Home Owner Grant. A First Home Owner Grant or FHOG was introduced by the Australian government to help first time homebuyers purchase their home. The requirements aren’t self-evident and every state and territory has different criteria and grant offers. To get more information about FHOG in your state, we suggest you visit the relevant website:
ACT | NSW | NT | SA | QLD | TAS | VIC | WA
To apply, simply enter a few details in our online home loan application form.
Alternatively, chat to one of our friendly lending specialists on 1300 721 819 and they can complete your application for you.
After your application is complete, use our app onTrack on your desktop or device to add your documents such as payslips, and details of your existing loan. In the onTrack app, you can track the progress of your application. Find out more information about the documents required for a home purchase or build.
How do you compare home loans?
There are a few key factors to analyse when comparing home loans. First you want to ensure you choose the right type of loan. For example, if you’re buying an investment property, you can’t get an owner-occupied loan and miss out on investor benefits. Some other key features to compare include:

Tools and resources

Applying for home loan
Why choose loans.com.au?

Low Interest rates
Being an online lender with fewer overheads means we’re able to pass on the savings to our customers.

Australian based
Get help when you need it from our friendly team of Australian based, lending specialists.

Flexible options
Looking to save with an offset, or make extra repayments with a redraw? We have a full range of loan features to suit your situation

Award winning
We keep on winning awards for our products, innovations and customer service, year after year!
Home loan calculators
If you haven’t started your home loan journey yet, we have calculators that might help you make your decision, whether it be to refinancing, get a second property, or add features to your loan. Use our calculators to calculate your equity, repayments, potential savings by refinancing or adding an offset. We also have a stamp duty calculator to see how much you may be up for.
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