Our home loan process - loans.com.au

Start your application

Visit loans.com.au and fill out an online application. It only takes a few minutes to complete. You will then be prompted to book a quick phone appointment with one of our online loan specialists to review your application and lodge it. You will also receive login credentials for onTrack, our easy-to-use online portal. You can use onTrack on any computer or mobile device including your mobile phone.

What you do

Fill out an application online
Book an appointment with a loan specialist

What we do

Contact you at the requested time to discuss the information you provided

Speak to a specialist

Talk with one of our loan specialists. They will review your application and help you choose the most appropriate loan for your needs.

What you do

Be prepared with your financial information such as income and expenses
Tell us your key financial goals
Verify the information you provided
Tailor a loan product to achieve your goals
Provide access to our onTrack application portal

What we do

Verify the information you provided
Tailor a loan product to achieve your goals
Provide access to our onTrack application portal

Once you have applied, you will need to supply some supporting documents such as pay slips and bank statements. You can do this using onTrack.

What you do

Log in to onTrack
Start uploading supporting documents to your application checklist
Verify the information you provide
Contact you to assist with the application process.

What we do

Verify the information you provide
Contact you to assist with the application process.

Property valuation ordered

We will arrange for a property valuation to be done on the home you are buying/refinancing.

What you do

Nominate a time for the valuer to come
Attend the valuation or arrange for a contact to attend
Order the valuation
Review the valuation

What we do

Order the valuation
Review the valuation

Loan approved

If the valuation falls within the expected range, we will approve your loan.

What you do

Check onTrack for application status
Notify you of your success

What we do

Notify you of your success

Loan documentation delivered

At this stage you will receive through onTrack:

Final Approval of your loan
Your Mortgage documents and Loan Agreement pack

What you do

Complete your loan documents and return to us
Call you to make sure you have received the documents and everything is in order

What we do

Call you to make sure you have received the documents and everything is in order

Settlement

We will contact your conveyancer or solicitor to arrange settlement of the purchase.

What you do

Arrange necessary deposits to be transferred to your conveyancer
Notify your conveyancer that we will be your lender for settlement
Arrange conveyancer to contact us to book in settlement
If further legal documents are required for settlement we will contact your conveyancer

What we do

If further legal documents are required for settlement we will contact your conveyancer

Access your account online

Once the payment is made, you will receive your login credentials for Online Services so you can manage your loan online. You may order a visa debit card if you wish to have one linked to your offset account.

What you do

Expect a welcome call from our Customer Care team
Call you to help you set up your Online Service profile

What we do

Call you to help you set up your Online Service profile

Our awards

In 2020, loans.com.au received multiple 2020 RateCity Gold Awards for Investor Variable Home Loan and Variable Home Loan category.

We also received a 2019 Mozo Expert Choice Awards for Best New Feature, Low Cost Home Loan and a 5-star ratings from Canstar for Outstanding Value in the Investment Variable Home Lender category.

The awards are the latest of many accolades we have received for our low-rate home loans.

See all our awards