Our home loan process

1

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

2

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

3

Login and upload your documentation

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.

4

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

5

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

6

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

7

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

8

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 2018, loans.com.au received 5-star ratings from Canstar for Outstanding Value in the Variable Home Lender and Variable Home Lender – Investment categories.

We were also a finalist in the Best Investor Home Loan category in the Finder Awards.

loans.com.au also received a number of 2018 Mozo Expert Choice Awards for Low Cost Home Loan, Offset Home Loan, and Investor Home Loan.

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

SEE ALL OUR AWARDS

Popular Products

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$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
 
Call us on
13 10 90
or
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7am - 7pm, Monday to Friday. AEST