ZIP Home Loan - Owner Occupied
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What’s so good about the ZIP Home Loan?
This home loan comes with the $5,000 interest free Visa debit card. This means you can throw away your credit cards and enjoy the same convenience on your purchases without paying interest!
Whether you are refinancing to save money or buying a new home, you will receive the same $5,000 Visa debit card and the same low home loan rate.
You can use the card any way you want, whether it’s for a big purchase, for day-to-day spending like a credit card, or just to keep in the drawer as an emergency fund.
The outstanding balance on the card will never be charged interest, and the card has no ongoing fees. That means no monthly fee, no annual fee and no application fee!
How it works
Get started
Apply online today. Or, one of our friendly lending specialists can do the hard work for you and manage your paperwork over the phone.
Either way, we can settle your loan quickly so you can start saving thousands sooner.
Interest rates
Product name
ZIP Home Loan*
Principal & Interest rate p.a.
2.98%
3.00% comp rate*
Interest only rate p.a.
NA
Product name
ZIP Visa debit card
Principal & Interest rate p.a.
0%
Interest only rate p.a.
NA
Want to see more home loan options? Compare our home loans
$5,000 limit Visa debit card with 0% interest
Cut up your credit cards and enjoy the same spending convenience without paying interest
Unlimited free
redraws
Reduce your loan term, whilst still having access to your savings.
No monthly or ongoing fees
Having zero recurring fees means you save thousands over the course of your loan.
$0
Application fee
As an online lender, we save in overhead costs and pass those savings directly on to you. So, we don't charge you an application fee.
$0
Ongoing fees
No recurring monthly or annual fees helps save you thousands.
$0
Repayment fee
No fees to make additional repayments and no limit to the number of additional repayments you can make, so you can pay your loan off sooner.
Savings with ZIP Visa debit card
Visa debit
card
$0.00
Interest paid per month
$799.50
Interest saved in 12 months
Credit
Card
$66.63
Interest paid per month
Our online loan application process
At loans.com.au, we make borrowing simple. We’re here to help you from application through to settlement.
Apply online
Fill out our application online or talk to one of our Australian-based lending specialists to do the hard work for you.
Goodbye paperwork!
Login to onTrack and easily upload the required documents. Plus, you can track your application through to approval.
Settle & save
Our innovative online process gets you to settlement quickly, so you can start saving thousands sooner.
Frequently asked questions
Any outstanding amount will become payable upon discharge of the loan.
The $5,000 ZIP Visa debit card can be a great way to make day to day purchases.
- 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)
If you have income paid to more than one account you'll need statements for all those accounts. Alternatively, you could provide your most recent Tax Assessment Notice and a letter from your employer that confirms your salary.
If you're self-employed, the paperwork will be slightly different. When you refinance a loan, you'll need to provide evidence of your ability to make repayments, so your lender will request two years of business and personal tax returns and ATO assessments.
To avoid paying Lenders Mortgage Insurance (LMI), borrowers need a 20% deposit in most cases.
Once your loan application has been submitted, you will be given access to our online portal onTrack. In onTrack, we will collect some more information from you and you can track your application. When your loan settles, you will be given your referral code in onTrack.
You can refer as many people as you like!
At loans.com.au, we help people into their dream homes and cars.
For the last 10 years, thousands of Aussies have trusted our experienced & locally based team with some of their biggest financial decisions - buying a home, a new car or refinancing to save on interest.
Our customers trust us to support them with low home loan and car loan rates, approved quickly through our easy-to-use online app.
loans.com.au is completely safe and financially backed by Firstmac, Australia’s 12th largest lender. Firstmac has been operating successfully for more than 40 years, and has $15 billion in mortgages under management, as Australia’s leading non-bank lender.
We are also actively involved in our local community with our loans.com.au Women, Children & Community Program designed to support Australian charities on their mission to raise awareness for important causes.
Read our storyRead some of our real good feedback.
The entire team were all very patient as it took a long time for us to find a property
Extremely happy with these guys. I checked them out initially for their low rates but was most pleased with the various team members who helped arrange my loans, especially Ray the lending manager - absolute legend and he deserves a raise - such a great guy who sorted us out all along the way and explained everything very clearly. The entire team were all very patient as it took a long time for us to find a property, including a few false starts at auction. No wait times on the phone with them either. 100% recommended, especially after my experience of being with a major lender for a long time and paying above market interest rates for my loyalty.
Lawrence I.
April 28, 2022
Friendly and efficient service
Seamless experience. Friendly and efficient service.
Garth W.
April 25, 2022
So easy and simple
The whole process from my initial phone enquiry to my loan being approved was so easy and simple. Ray was amazing. He put my nerves at ease and was able to give me sound financial advice. I would definitely recommend loans.com.au to my family and friends.
Melanie F.
April 22, 2022
