What’s involved?

What’s involved when you apply for a loan with us? Feels complicated, our specialists are in constant contact to help you.

Our application process for purchasers

At loans.com.au we make buying your home simple. We offer personal service from our Australian-based lending managers who are on call to help you with every step along the way buying your home.


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1. Application

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.

What you do
  • Contact you at a time that works for you to discuss the information you provided or complete your application for you
What we do
  • Contact you at a time that works for you to discuss the information you provided or complete your application for you

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2. onTrack

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.

What you do
  • Log into onTrack
  • Upload supporting documents
What we do
  • Verify your information

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3. Speak to specialist to get preliminary approval

You will then have an appointment with one of our lending specialists to organise your preliminary approval of your loan, and help you progress through the home loan approval process through to settlement as quickly as possible.

What you do
  • Book an appointment
What we do
  • Notify you of your preliminary approval

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4. Signing purchase document & loan document

Check onTrack to received your final approval, mortgage documents and loan agreement. You must sign these and return them in to onTrack to progress to settlement

What you do
  • Receive final approval & mortgage documents in onTrack
  • Complete mortgage documents & loan agreement, return to us
What we do
  • Call you to ensure everything is in order

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5. Settlement

Your loan will settle and you'll start saving with your new low rate, and get your keys to your new dream home!

What you do
  • Get the keys to your new home
  • Start saving!
What we do
  • Once settlement is complete, we'll send you login credentials to Smart Money

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6. Access your account

Once settlement is complete, we will send your login credentials to start managing your payments in the Smart Money app.

What you do
  • Log in to Smart Money
  • Manage your payments
What we do
  • Answer any questions you have

Our application process for refinancers

loans.com.au FastTrax Refi pays out your old loan so you can start saving money in a fraction of the time it takes to refinance with other lenders.


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1. Application

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.

What you do
  • Fill out your online application
What we do
  • Contact you at a time that works for you to discuss the information you provided or complete your application for you

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2. onTrack

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.

What you do
  • Log into onTrack
  • Upload supporting documents
What we do
  • Verify your information

process-icon
3. Speak to specialist to get preliminary approval

You will then have an appointment with one of our lending specialists to organise your preliminary approval of your loan, and help you progress through the home loan approval process through to settlement as quickly as possible.

What you do
  • Book an appointment
What we do
  • Notify you of your preliminary approval

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4. Property valuation

We will arrange for a property valuation for the property you are borrowing against.

What you do
  • Nominate a time for the valuer to come
  • Attend the valuation or arrange for a contact to attend
What we do
  • Order the valuation
  • Review the valuation

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5. Signing purchase document & loan document

Check onTrack to received your final approval, mortgage documents and loan agreement. You must sign these and return them in to onTrack to progress to settlement

What you do
  • You must sign the documents and return them, authorising us to deal directly with your existing lender.
  • Receive final approval & mortgage documents in onTrack
  • Complete mortgage documents & loan agreement, return to us
What we do
  • Call you to ensure everything is in order

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6. Settlement

In most cases, we will send funds directly to your current lender and do the paperwork with them later. Because the loan balance is now zero, from that date you no longer pay them interest, even if they drag their heels on discharging the loan. We pay the loan out by estimating payout costs based on current balance, rate and repayments.

What you do
  • Start saving!
What we do
  • Once settlement is complete, we'll send you login credentials to Smart Money

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7. Access your account

Once settlement is complete, we will send your login credentials to start managing your payments in the Smart Money app.

What you do
  • Log in to Smart Money
  • Manage your payments
What we do
  • Answer any questions you have

Our application process for building a home

Building your home is one of the biggest commitments you'll ever make. We can help take the stress out of building a home with our low rates, low fees and easy online applications. Before applying for a construction loan, you need a few documents listed here.


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1. Application

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.

What you do
  • Fill out your online application
What we do
  • Contact you at a time that works for you to discuss the information you provided or complete your application for you

process-icon
2. onTrack

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.

What you do
  • Log into onTrack
  • Upload supporting documents
What we do
  • Verify your information

process-icon
3. Speak to specialist to get preliminary approval

You will then have an appointment with one of our lending specialists to organise your preliminary approval of your loan, and help you progress through the home loan approval process through to settlement as quickly as possible.

What you do
  • Book an appointment
What we do
  • Notify you of your preliminary approval

process-icon
4. Property valuation

We will arrange for a property valuation for the property you are borrowing against.

What you do
  • Nominate a time for the valuer to come
  • Attend the valuation or arrange for a contact to attend
What we do
  • Order the valuation
  • Review the valuation

process-icon
5. Signing purchase document & loan document

Check onTrack to received your final approval, mortgage documents and loan agreement. You must sign these and return them in to onTrack to progress to settlement

What you do
  • Receive final approval & mortgage documents in onTrack
  • Complete mortgage documents & loan agreement, return to us
What we do
  • Verify vendor and vehicle details

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6. Settlement

We will contact your conveyancer or solicitor to arrange settlement of the land 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
What we do
  • If further legal documents are required for settlement we will contact your conveyancer

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7. Fund for land

We will use a portion of the approved loan amount to complete your purchase of the land.

What you do
  • Arrange for you portion of the purchase price to be paid by your conveyancer
  • Pay our contribution towards the land from your loan funds
What we do
  • Pay our contribution towards the land from your loan funds

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8. Fund construction

Now we start to pay for each stage as it is completed. As each stage is finished, we arrange a progressive inspection and then, if everything is in order, we pay the builder directly.

What you do
  • Sign the invoice from your builder and send it to us
  • Order an inspection
  • Pay the invoice if the stage has been satisfactorily completed.
What we do
  • Order an inspection
  • Pay the invoice if the stage has been satisfactorily completed.

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9. Move in

Once the home has reached practical completion we will make the final payment to the builder. You can then collect your keys and move in.

What you do
  • Send us the final invoice
  • Insure the house
  • Provide us with a copy of the occupancy permit
  • Collect your key
What we do
  • Make the final payment

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10. Access your account

Your Construction Loan will convert to our Offset loan product. This features an offset redraw facility. You repayments will convert to Principal & Interest, unless you request to extend the interest-only period. We will send your login credentials to start managing your payments in the Smart Money app. Login to Smart Money

What you do
  • Log in to Smart Money
  • Manage your payments
What we do
  • Answer any questions you have

Our application process for car

At loans.com.au, our mission is to do everything possible to make it easier to drive away from the car dealership in your new car sooner.


process-icon
1. Application

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.

What you do
  • Fill out your online application
What we do
  • Contact you at a time that works for you to discuss the information you provided or complete your application for you

process-icon
2. onTrack

After your application is complete, use our system we call onTrack on your desktop or device to log in and add your documentation such as payslips and bank statements, and track the progress of your application.

What you do
  • Log into onTrack
  • Upload supporting documents
What we do
  • Verify your information

process-icon
3. Speak to specialist to get preliminary approval

You will then have an appointment with one of our lending specialists to organise your preliminary approval of your loan, and help you progress through the car loan approval process through to settlement as quickly as possible.

What you do
  • Book an appointment
What we do
  • Notify you of your preliminary approval

process-icon
4. Signing purchase document & loan document

Check onTrack to receive your final approval and loan agreement. You must sign these and return them in to onTrack to progress to settlement.

What you do
  • Receive final approval & loan documents in onTrack
  • Complete loan agreement & return to us
What we do
  • Call you to ensure everything is in order

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5. Settlement

Your loan will settle do you can make payment to the dealer. You'll start saving with your new low rate, and get your keys to your new dream car!

What you do
  • Get the keys to your new car
  • Start saving!
What we do
  • Once settlement is complete, we’ll send you login credentials to Smart Money

process-icon
6. Access your account

Once settlement is complete, we will send your login credentials to start managing your payments in the Smart Money app.

What you do
  • Log in to Smart Money
  • Manage your payments
What we do
  • Answer any questions you have

Frequently asked questions

Fill out your application online and have an appointment with one of our lending specialists to organise your preliminary approval of your loan. Check the onTrack app to receive your final approval, mortgage documents and loan agreement. You must sign these and return them in to onTrack, which authorises us to deal directly with your existing lender. From this point, you no longer pay your old lender interest, we pay the loan out by estimating payout costs based on current balance, rate and repayments. Your loan will settle and you'll start saving with your new low rate!
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. After your application is complete, use our system we call onTrack on your desktop or device to add your documentation such as payslips, and details of your existing loan. Here, you can track the progress of your application.
You can get your dream home at a great low rate because we don’t have to pay for branches or broker commissions and have innovative technology processes, which means we pass our savings directly on to you.
To apply for any of our loans, visit: https://www.loans.com.au/apply or call 13 10 90 and one of our lending specialists can help, or even complete the application for you.

Need some help?

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Chat online now

Send us a Live Chat with any home loan questions you have and we’ll respond straight away.

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Talk to a home lending specialist

Our experienced team of home lending specialists are here to help you. Book an appointment and we can answer any questions you have.