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ZIP Home Loan

Our super-low-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

6.44
%
p.a
Rates from*
6.46
%
p.a
Comparison rate*
$5,000 interest free Visa debit card
No monthly or ongoing fees
Free redraw on any additional repayments
Pay your bills via BPAY
Access your account via Smart Money app
Our Google Rating
4.5
453 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 save thousands over your loan term and budget with confidence.

Unlimited free redraws

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.

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

years
Rate type
Loan purpose
Loan type
Repayment type
Most Popular

Variable Home Loan

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

Interest rate
6.04 %   p.a.
6.06% p.a.

Estimated repayment#
$301.06 per month
Total principal paid
$50,000
Total interest paid
$58,384

Need to know more? Here's the whole offer

Rates

Principal & interest

Interest Rate:

6.44% p.a.

Comparison Rate:

6.46% p.a.

Max LVR:

80%

Key Features

20% deposit minimum

Up to 30 years loan term

Available for refinance or purchase

Unlimited additional repayments

Repayments

Frequency

Weekly, monthly or fortnightly

Estimated repayments

$3,141 per month

The monthly repayment estimate is based on a $500,000 loan over 30 years at 6.44% p.a. paying principal and interest.

Fees

Application fee

$0

Ongoing fees

$0

Security assessment fee

$230

Government fees

At cost

Settlement fee

$300

P&I

Interest Rate:

Comp Rate:

Max LVR:

6.44% p.a.

6.46% p.a.

80%

20% deposit minimum

Up to 30 years loan term

Available for refinance or purchase

Unlimited additional repayments

No monthly or ongoing fees

Free redraw on any additional repayments

Frequency

Weekly, monthly or fortnightly

Estimated repayments

$3,141 per month

The monthly repayment estimate is based on a $500,000 loan over 30 years at 6.44% p.a. paying principal and interest.

Application fee

$0

Ongoing fees

$0

Security assessment fee

$230

Government fees

At cost

Settlement fee

$300

2024 WeMoney - Best for Value (Refinance) 2023 WeMoney - Best Value for Variable 2024 Mozo - Expert's Choice for Green Home Loan Gold Award - Best Green Home Loan 2022 WeMoney - Outstanding Customer Service
Our home loan products are recognised & awarded by the Australian financial industry

Unlock your ZIP loan borrowing capacity

Join our other customers

Super grateful to the team

Super grateful to Emira and the team. Great, timely feedback mechanisms with clear guidance on processes. They went all out to support us throughout the application - much appreciated!

Shane M.
11 Nov 2024

5 Star rating!

Highly recommended using them to my friends and family and to all reading the reviews. To all the team outstanding and thankyou for your help.

Lee P.
28 Oct 2024

Very helpful to solve my problems

I am very happy with the simple products that loans.com.au. Sharon was the lending manager who assisted me through the application. Sharon was very helpful to solve my problems and get the loan approved.

Alan X.
15 Oct 2024

Quick and painless experience

Really quick and painless experience getting a loan approved for my new car. Matt was great, professional demeanor, friendly and eager to help.

Commander C.
15 Oct 2024

I felt understood and valued

Ai Chi Hinh is an outstanding professional who genuinely cares for her clients. Her ability to listen and her problem-solving skills are truly commendable. I am grateful for her support and expertise during a challenging time.

Heather E.
10 Oct 2024

Could not recommend them enough

Kimberley was wonderful, very informative, and patient. Communication was on point and all-around professional and friendly throughout the process.

Jillian G.
14 Sep 2024

Got what I needed very quickly

Great rates, easy to use, simple process. Got what I needed very quickly

Lachlan J.
12 Sep 2024

I highly recommend this lender

I switched my home loan from a big bank to Loans.com.au and was pleasantly surprised by their competitive rates and sleek web banking platform.

Alex A.
02 Sep 2024

More than exceptional

My experience with loans.com.au was more than exceptional. Ray was nothing short of amazing throughout this process. I highly recommend loans.com.au!

Matthew P.
23 Aug 2024

Very professional and polite

This is a very good organization. Less than a week turnaround, and they were very professional and polite. I recommend this business.

Drew D.
19 Aug 2024

Easy application process

By far the best lender I've ever dealt with. Sooooo much better than any of the big 4. Easy application process and great customer service.

Lisa S.
16 Aug 2024

Highly recommended

It is great experience working with Sonia from Loans.com.au. She is very knowledge, good communicator, follow up and responds quickly which helped to get the approval in few days exceeding my expectation.

Rajesh M.
29 Jul 2024

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 start saving with 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.

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.

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.

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.

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.

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