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
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.
Zip Home Loan Rates
Zip Home Loan
Up to 80%
7.00% comp rate*
ZIP Visa debit card
Zip Home Loan*
Principal & Interest
Variable rate p.a.
Comp rate p.a.*
Zip Visa debit card
0% Interest rate
Want to see more home loan options? Compare our home loans
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
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.
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.
No recurring monthly or annual fees helps save you thousands.
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.
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.
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 $16 billion in mortgages under management, as Australia’s leading non-bank lender.
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