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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.
Since we were founded in 2011, we have grown to become an industry leader with thousands of happy customers in every state and territory.
From our local call centre, our service team helps hundreds of customers around the country apply for and manage their loans, every day.
Home buyers are choosing us because we don’t have expensive bricks-and-mortar branches and we pass the savings on to them through super-low interest rates.
Our operations are covered by the National Consumer Credit Protection Act which is enforced by the consumer watchdog, the Australian Securities and Investments Commission.
We are backed by the financial strength of our associate company Firstmac, which is Australia’s largest non-bank lender. Firstmac has been operating successfully for 40 years and it has more than $12 billion in mortgages under management.
If you follow rugby league you may have heard of Firstmac because it is a Premier sponsor of NRL team, the Brisbane Broncos. Find out more.
We have taken the hassle out of getting a home loan by cutting through the old-fashioned processes of traditional lenders to put you in control.
With the support of our local service team you can move through your online application at your own pace and with full knowledge of what is happening at each stage.
You can borrow from loans.com.au secure in the knowledge that we are regulated by the Australian government.
loans.com.au is Australian-owned-and-run, has a long track record of success, and has super-low rates that can save you thousands of dollars. That’s why we are the Home of Smart Money.
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.
We are very careful to protect your confidentiality, and any information you give us is covered by the Privacy Act, which regulates how personal information is handled.
All of our staff are fully trained in their obligations under these laws and dedicated to ensuring that the product you select meets your requirements and objectives.
loans.com.au is backed by the financial strength of our associate company Firstmac, which is Australia’s largest non-bank lender. Firstmac has been operating successfully for 40 years and it has more than $12 billion in mortgages under management.
We are solid, but don’t just take our word for it. International ratings agency Standard & Poor's awards our associate company Firstmac its highest possible ranking for loan serviceability – STRONG.
"Firstmac continues to demonstrate strong servicing quality," Standard & Poor's said.
According to Standard & Poor's, Firstmac's key strengths include:
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A well-established position as an experienced primary servicer of prime residential mortgages
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A comprehensive corporate governance and risk-management framework
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A well-designed internal-controls framework and internal audit program, supported by structured annual audit plans;
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Solid loan-processing and servicing infrastructure
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A robust training and development program
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 $20 billion in RMBS.
Just because a lot of our money comes from the banks, that doesn’t mean we are a broker for the banks. When you take out a loan with us you are borrowing from us, not them, and you will deal directly with our friendly Customer Care team for the life of your loan.
Why are your rates so cheap – is there a catch?
We can offer super-low rates because our online model is so efficient.
Unlike traditional lenders, we don’t have to maintain expensive bricks-and-mortar branches.
We don’t have to buy and maintain a fleet of cars for home visits, so we avoid vehicle depreciation, fuel, road tolls, buying laptops, mobile phone bills and printing expenses.
We even have a paperless office.
Our efficient online approach means we save a lot of money which we pass on to you through cheaper rates.
There is no catch – online simply means cheaper, faster loans regardless of where you are based or the hours you work.
As a bonus, our approach is more sustainable for the environment, as we aren’t producing transport-related greenhouse emissions and wasting reams of paper like other less-efficient lenders.
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!
Our awards
onTrack was very easy to use
onTrack is very good to inform customer about the progress of the application and to upload documents in own time.
- Dirk P. Nedlands, WA , November 27, 2019
Thank you for fantastic service
Impressed with the timely and accurate communication throughout the process of approval and settlement. I have been and will recommend you to friends and clients.
- Ana M. Hepbum, VIC , November 14, 2019
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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.