ZIP Home Loan
Great low rate home loan with interest free $5,000 Visa debit card.
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.
Zip Home Loan Rates
Interest rates
Zip Home Loan
Up to 80%
6.98%
7.00% comp rate*
ZIP Visa debit card
NA
0%
NA
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
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 home loan application process
Apply online
Simply fill out your 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.
Goodbye paperwork
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.
Settle & save
Your loan will settle and you'll start saving with your new low rate, and get your keys to your new dream home!
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 $16 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.
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“Great customer service, thanks Ray!„
“Ray was simply amazing! He took on my crazy timing request and helped drive the process to conclusion. Took some of the stress out of purchasing a property!„
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“Ray couldn’t have made the process of refinancing any easier for us. Would highly recommend.„
“Excellent People, Cheap rates, fast process. I had to arrange finance in 2 weeks and they sorted it out. Rena has been extremely helpful.„
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“Ray has been so helpful, professional and most of all prompt especially as time was of the essence. Ray's experience in this field is evident by the way he guided me through the process to obtain finance. I love that I could upload my docs which made the process quicker.„
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