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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

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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
490 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

Excellent service

Excellent service. Easy to complete online with great assistance.

David L.
30 May 2025

Smooth and stress-free

I’m truly grateful to loans.com.au for securing a loan for me with such a great interest rate. From the very beginning, they were professional, responsive, and incredibly helpful throughout the whole process. They made everything smooth and stress-free, and I felt supported every step of the way.

Mostafa M.
29 May 2025

Fantastic to work with

Sharon and Harriet have been fantastic to work with. Their bosses are very lucky to have these two employees. They make the business a pleasure to engage with.

Joel F.
28 May 2025

Helpful and professional

The two ladies I delt were really helpful and professional couldn't be happier with the outcome.

Daniel H.
26 May 2025

Fast approval

Amazing service. Trina went above and beyond to make it an easy and fuss free experience!! Easy online portal to upload documents and fast approval. Our second loan through them and would use again and again!

Danielle T.
21 May 2025

Speed, efficiency, and real human support

Trina’s support made all the difference, and I can’t thank her enough! If you're looking for a loan provider that combines speed, efficiency, and real human support, I highly recommend Loans.com.au.

Michael I.
09 May 2025

Very professional

Very professional, always maintain contact through out the process and quick to respond when calling or emailing. Overall process was quick and easy. Thumbs up 👍 would definitely use them again.

Stewart O.
05 May 2025

Great outcome

Thankyou Tiffany for being so kind, warm, friendly, and helpful to my husband and I. Its people like you that make life's decisions so much easier. We need more people like you and your personality doing the type of service you offer. Thankyou for all your support for a great outcome.

Donna A.
30 Apr 2025

Excellent customer service and support

Thanks to the hard work and commitment of both Emira and Cherie, I felt confident and well-supported at every step. I would highly recommend Loans.com.au to anyone seeking car finance solutions, and I look forward to working with your team again in the future.

Avi I.
29 Apr 2025

Highly recommended

Great to deal with kept us up-to-date every step of the way with the refinancing would highly recommend them.

Bradley P.
28 Apr 2025

Less stressful

Brent is the best lending manager I have ever dealt with. Patient, friendly and knowledgeable. Always willing to help and also provide options to consider so that I don't miss out anything. This made my purchase and refinance of investment property much less stressful

Jason P.
15 Apr 2025

Hassle free

Helen, Sharny and the loans.com.au team have been excellent to work with. Jason and I have never had such good communication with a bank. The whole loans process from start to finish has been hassle free and having the onTrack app makes keeping track of where you are in the process, easy. Would definitely recommend.

Sally C.
14 Apr 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.

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.

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