Who is loans.com.au?

loans.com.au is an award-winning online lender that is proudly Australian and based in the heart of Brisbane, with offices in other capital cities.


Are you safe?

loans.com.au is financially strong, conservatively managed, and regulated by the Australian government.

Our operations are covered by the National Consumer Credit Protection Act which is enforced by the consumer watchdog, the Australian Securities and Investments Commission.

Where do you get your money?

Our associate company Firstmac issues securities, called Residential Mortgage Backed Securities (RMBS), to Australian and international institutions and investors. The Australian major banks are large investors in our RMBS which reflects the confidence of major investors in our business. Since 2003, Firstmac has issued over $29 billion in RMBS.


Why are your rates so cheap – is there a catch?

We can offer super-low rates because our online model is so efficient.

The onTrack advantage

onTrack is our innovative online portal which allows you to complete your home loan application entirely on your handheld device or computer from initial contact through to settlement and beyond. Using onTrack means that you are able to complete your loan application in your own time. You don't have to wait for a bank branch to open to complete your home loan!

onTrack allows you to download all required forms and documents as well as allowing you to book an appointment with one of our specialist loan specialists at a time that suits you. You can securely submit your forms and supporting documents.


Once I am in will you hike up my rate?

Once I am in will you hike up my rate?

At loans.com.au we pride ourselves on having great rates and we try to keep our rates as low as possible for all our customers. However, we still have to change our variable rates in response to changes in our funding costs.

In a falling interest rate environment we don’t hesitate to cut rates for existing customers. For instance, between November 2011 and March 2020 we cut rates for existing customers in our largest loan category – owner occupiers with Principal & Interest loans - 15 times, and only raised them 4 times. They joined on a great rate and found themselves on an even lower rate!

It's as easy as 1,2,3...

loans.com.au makes borrowing simple so you can refinance your mortgage online with confidence.

Go from application to settlement in three easy steps.

Here's how to lock in a super-low-rate home loan, super-fast.

Our awards

loans.com.au is a highly-awarded lender that has been recognised by industry experts.

Award - Mozo Experts Choice 2018 - Investor Home Loan 2019-canstar-investment-variable-home-lender 2019-canstar-investment-home-lender 2019-mozo-best-new-feature 2019-mozo-low-cost

Customer reviews


My loan was approved in 2 days and settled in 3 days

Very easy to use, friendly staff and my loan was approved in 2 days and settled in three days!

- Ben K. , September 21, 2020

Painless process and onTrack app is brilliant

I never usually write reviews but the whole experience was just fantastic that I had to write a review. I initially contacted Luke for the application and he guided me through the whole process. The application was pre-approved two weeks ago and I found the car this week and the whole settlement was completed in a matter of days.

- George J. , September 18, 2020

$50,000 is our minimum borrowing amount for a home loan.
$2,000,000 is our maximum borrowing amount for a home loan.
$1,000,000 is our maximum borrowing amount for a construction loan.
The maximum borrowing amount for a deposit less than 20% is $1,000,000
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Award winning home loans
2018 Mozo Expert's Choice Home Loan Awards
2018 Mozo Expert's Choice Home Loan Awards
Award winning home loans
2018 Mozo Expert's Choice Home Loan Awards
2018 Mozo Expert's Choice Home Loan Awards
2018 CANSTAR 5 Star Rating Outstanding Value
It's as easy as 1, 2, 3...
Apply 1
onTrack to approved 2
Settle & save 3

Our core values


Our people are the essence of our company. We are real people, we are not robots or a faceless corporation. We have personality and we are empathetic. At the end of the day, we are real people and our customers are real people. We make it easy for our customers to contact us however they want, and we are always ready and willing to help. We have exceptional technology to help our people make decisions easily. Our customers talk to us, not to computer systems.


“Keep it simple” is our motto. Finance can be complicated but our aim is to always be efficient and to talk to our customers in simple language. We provide our customers with a simpler solution, as getting a loan shouldn't be complicated.


We are agile and react faster than traditional lenders. We are always quick because we do things the smart way. Our technology helps us make fast decisions with accuracy and give our customers exceptional service.


We are confident in our ability, experience and integrity. As a result, our customers are confident when they choose us. At a very daunting time, when they want a new car or a new home, our customers know they can trust that they are dealing with a lender who has the experience to help them achieve their goals.

Our statement of ethics

We aim to ensure that our business has a positive impact on the broader community, helping our customers to achieve financial security and a sense of place through home ownership.We take a long-term view, measuring success by the strength of our relationships with business partners and customers, not through short-term financial metrics.We are committed in our daily operations to the principles of environmental sustainability, equal employment opportunity, and giving back to the community.

Lending Policy

As a residential and vehicle lender, our most important responsibility is to ensure that our product helps our customers and does not harm them. For this reason, we have adopted stringent credit policies which prevent customers from borrowing too much. We do not use high-pressure sales tactics, we consider each individual’s unique financial position, and we often counsel applicants to borrow less.

Fact: For every 1000 mortgages written by loans.com.au, only one has ended in default – less than half the rate of the major banks.

Environmental Policy

loans.com.au seeks to minimise the impact of our business operations on the environment.

Fossil Fuelsloans.com.au offers home and car loans. We do not finance or invest in any industrial activities or projects. That means we have zero investments in mines, power generation, fossil fuels, or any other industries related to climate change.

WasteWe work hard to eliminate office waste wherever possible.

Fact:loans.com.au has a true paperless office. By moving to a paperless office, loans.com.au has saved more than 2 million sheets of paper per year, most of which came from native forests.

Equal Employment Opportunity

loans.com.au provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type. We have policies and procedures in place to ensure that this is embedded in our business and is part of the culture we actively promote with all of our staff.

Fact: More than 40 per cent of loans.com.au senior executive team are women.

Community Giving

loans.com.au is committed to supporting civil society in the communities which have given us so much.

Fact: loans.com.au is major supporter of the Steve Waugh Foundation, which supports children with rare diseases and their families. We are also a Premier Sponsor of our local sporting club the Brisbane Broncos.