close-icon
Loan amount:
$

ZIP Home Loan

Our competitive rate home loan that comes with a $5000 limit Visa Debit Card which is interest free for the life of your loan.

Multi-award winning

  • awards
  • awards
  • awards

ZIP Home Loan

5.94
%
p.a
Rates from*
5.98
%
p.a
Comparison rate*
  • $5,000 interest free Visa debit card
  • No monthly or ongoing fees
  • Fee Free redraw on any additional repayments
  • Pay your bills via BPAY
  • Access your account via Smart Money app
Our Google Rating
4.5
515 reviews

Why our ZIP loan could be the right loan for you

Interest free Visa debit card

Enjoy the spending convenience that comes with a $5000 limit Visa Debit Card which is interest free for the life of your loan.

No monthly or ongoing fees

We don’t charge any monthly, annual or ongoing fees, so you can budget with confidence.

Unlimited free redraws

Looking to make extra repayments with a redraw? We have a full range of loan features to suit your situation.

Quick and easy process

Apply online or you can arrange a chat with one of our Australian based home lending specialists for a quick decision and easy application.

Work out your loan repayments

Use our home loan calculator to estimate what your monthly mortgage repayments could be.

Your loan details

Loan purpose
Loan type
Repayment type
Repayment frequency
Rate type
years
Most Popular

Variable Home Loan

Owner Occupied Principal & Interest Up to 90% LVR
Get a loans.com.au competitive rate you'll be celebrating for years!

Interest rate
5.54 %   p.a.
5.58% p.a.

Estimated repayments#
$285 per month
Loan amount
$50,000
Interest charged
$52,654

Need to know more? Here's the whole offer

Repayment Type

Maximum LVR of 80%

Product Interest rate from Comparison rate
ZIP Home Loan 5.94% p.a.* 5.98% p.a.*
20% deposit minimum Yes
Up to 30 years loan term Yes
Available for refinance or purchase Yes
Unlimited additional repayments Yes
Yes
Application fee $0
Ongoing fees $0
Security assessment fee $230
Government fees At cost
Settlement fee $300

Unlock your ZIP loan borrowing capacity

Join our other customers

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.

Carolyn G.
19 Jun 2025

The loan process was really easy and quick

The loan process was really easy and quick. Staff is really friendly and keep you updated. Highly recommended.

Vishal K.
18 Jun 2025

The fastest and easiest process I have ever had in regards to any finance

The fastest and easiest process I have ever had in regards to any finance. From first chat to settlement in 24 hours and constant communication the entire way! Trina is first class! Emira was SENSATIONAL! BEYOND RECOMMEND!

Brian S.
17 Jun 2025

The team was absolutely amazing to deal with

I have dealt with Jessica on a recent new home loan application and Jessica and the team was absolutely amazing to deal with. Super quick and kept with in the loop throughout the process. Second to none customer services!

Simon L.
16 Jun 2025

I could not have asked for a better service

The service and follow up provided by the loans.com.au team was impeccable. I could not have asked for a better service.

Caraman C.
13 Jun 2025

They have exceptional customer service!

I was referred to loans.com.au and now I see why, they have exceptional customer service! I feel so fortunate to have had Rena and Trina handle my application. They were both incredibly friendly, kind, and efficient when it came to processing and approving my application. They genuinely care about helping others and made the entire process smooth and enjoyable.

Rojina R.
12 Jun 2025

I was very impressed with loans.com.au

I was very impressed with loans.com.au pragmatic credit policies and the excellent service I received from Emira and Trina in applying for and settling my car loan. They also have 2 very user friendly apps to help with the process. Very easy to deal with, I would definitely recommend them to anybody wanting a stress free and smooth experience.

Joe F.
12 Jun 2025

Had good experience

Had good experience with Jasmine and Tiffany who supported me along the way from getting a pre-approval quickly, through the purchase and to the settlement. Not to mention competitive rates and borrowing power they provide.

Gleb L.
11 Jun 2025

Had a great experience with loans.com.au

Had a great experience with loans.com.au. Was the best rate/lowest fees I could find and the service was faultless. I won't be going anywhere else for vehicle financing in the future.

John M.
10 Jun 2025

I am tremendously satisfied

I am tremendously satisfied with Sonia and Harriet’s assistance with my loan applications. Loans.com was recommended by a family friend and Sonia portrayed immense knowledge and professionalism when working with me to get the best financial outcome. Sonia has exceptional expertise in her subject matter and was incredibly responsive, and together the team made sure I was able to meet my deadline without any stress. Fantastic experience – will highly recommend Sonia and her team at Loans.com!

Ridhima G.
10 Jun 2025

If I could give 6 stars in this review I would

In all my dealings with loans over the years, Stuart is hands down one of the best I’ve ever come across. His professionalism, responsiveness, and genuine willingness to help sets a new standard. I would absolutely recommend loans.com.au—and especially Stuart—to anyone looking for a hassle-free and professional mortgage experience. If I could give 6 stars in this review I would.

Beau B.
10 Jun 2025

I love to deal with them directly

I am with Loans.com.au since 2014 and I have got multiple loans from new purchases and refinance of IP to OO loans. They have been exceeding my expectation every time. I love to deal with them directly and their lending specialist and support staff are second to none compared to other banks including the big 4. Highly recommend!

Shiva S.
07 Jun 2025

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

1

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.

2

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.

3

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.

4

Settle

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

Frequently asked questions

There is no catch. When you settle your home loan, you will be issued with your Visa debit card with a $5000 limit, and you can use the card any way you want whether it is for a big purchase or for day-to-day spending. The outstanding balance on the card will never be charged interest, and the card has no ongoing fees, making it a better alternative option to a credit card.

You are unable to use the $5,000 to pay off your loan. You can choose to put the $5,000 in the home loan as redraw funds, however, this will become payable when you payoff the loan.

The $5,000 ZIP Visa debit card can be a great way to make day to day purchases.

You'll have interest free equity of $5000 and this is on top of your home loan. The $5000 will not be added to the balance, meaning it won't impact your monthly repayments. You can choose to pay the owing balance off each month to keep the funds revolving, or not pay it back until you pay off your loan.

Any outstanding amount will become payable upon discharge of the loan.

You will need at least 20% deposit to be eligible.

If you're thinking about buying property, applying for a home loan can be seamless from start to settlement. One simple online application can tell you how much you can borrow, give you pre-approval and help you track your application progress all the way to ownership. To learn more, click here.

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.

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.

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.

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.

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
View offer

Apply for ZIP loan pre-approval

We have a full range of loan features with flexible repayment options.

Welcome to loans.com.au _

Just in case we lose you, may I ask for your contact details....



Loading Form