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4.6 Stars ·  652 Google reviews

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Award-winning loans

Ace your loan!

Apply online in minutes, even courtside.

Get Pre-Approved

Takes under 3 minutes

Why Aussies Choose Us

Award-winning loans – your Grand Slam advantage image

Award-winning loans – your Grand Slam advantage

Flexible options – play your winning shot image

Flexible options – play your winning shot

Online convenience – your home court edge image

Online convenience – your home court edge

Fast approvals – you can get the ball rolling now image

Fast approvals – you can get the ball rolling now

Award winning

We're recognised & awarded by the Australian financial industry.

Canstar 2025 Winner

Outstanding Value Award

Variable Home Lender

Mozo 2025 Winner

First Home Buyer Loan

Variable Home 90

WeMoney 2025 Finalist

Excellent Rates & Fees

Home & car loans

Get a free property report

Takes just 5 minutes - a quick rally for big wins!

Your personalised property report is your competitive edge on the court. It includes:

  • Recent sales of similar homes in your area

  • Current listings of comparable properties

  • A tailored estimate of your property's value

So you can serve up confident, informed decisions and stay ahead in the property game.

Start your winning drive today

Take the next step towards your new car - game on!

Get a personalised rate and repayment estimate for your car loan by answering a few quick questions. Your rate is tailored to your credit score and loan details, so you can ace your next move with confidence.

Get My Personalised Quote

Won't impact your credit score!

with our Bold Investor Bundle

Bundle your owner-occupied and investment property loans and play like a pro.

Enjoy competitive rates and flexible repayment options - whether you choose Principal & Interest or Interest-Only, you'll stay in control of the match.

By combining your loans, you can borrow up to 80% LVR at a discounted rate.

Owner Occupied

Principal & Interest repayments. Up to 90% LVR.

Interest-Only also available

5.39
%
p.a
Rates from*
5.43
%
p.a
Comparison rate*

Investor

Principal & Interest repayments. Up to 80% LVR.

Interest-Only also available

5.59
%
p.a
Rates from^^
5.63
%
p.a
Comparison rate*
Apply now

Game, set, match - your winning investment strategy starts here.

Our loan application process

From First Serve to Match Point – Simple, Fast, and Online. We’ve designed our process to keep you in control of the game

1
Apply Online

Apply Online

Complete your application through our online platform.

Apply Online
2
Upload & Track

Upload & Track

Submit your documents and monitor your application in real time via our onTrack portal.

3
Speak to our  Specialist

Speak to our Specialist

Our lending specialists will confirm the correct package offering for you, guide you through the loan process, including getting a pre-approval.

4
Approval & Signing

Approval & Signing

Review and sign your mortgage documents and loan agreement via onTrack.

5
Settlement

Settlement

Your loan settles, which means your funds will be ready. 

6
Manage Your Loan

Manage Your Loan

You'll receive your login details to manage your repayments and account details via our Smart Money app.

Slide 1

Lucy

Verified review

Lucy

Verified review

Meet Lucy, a young professional who turned to loans.com.au to buy her first home and came back again when it was time for her next property move.

  • As a young professional working in regional media, Lucy was eager to put down roots and escape the constraints of apartment living. While working in Tamworth, she decided it was time to buy her first home.

  • It was her first time navigating the property market and, with little prior knowledge of how home loans worked, Lucy relied on word-of-mouth recommendations - one of which pointed her to loans.com.au.

Slide 2

Emma

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Emma

Verified review

Meet Emma, one of our customers who refinanced to us years ago, and recently came back for help with purchasing an investment property.

  • We wanted to buy an investment property. We were already a loans.com.au customer after my sister recommended loans.com.au as an option with lower rates and better processes than the banks.

  • We had a smooth experience staying with loans.com.au, made applying for an investment property very easy.

Slide 3

Bradley

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Bradley

Verified review

Meet Bradley, an amazing customer of ours who came to us when he wanted to refinance a complex home loan and kickstart his property investment journey.

  • Bradley had been with a major bank for over 20 years when he decided to restart his property investment journey. During the COVID period, he began looking into ways to unlock the equity in his home and expand his financial portfolio. However, the experience with his existing bank was anything but smooth.

  • With a background in engineering and a busy family life, Bradley wanted a streamlined and supportive lending experience that could help him achieve his goals without the red tape.

Slide 4

Kunal

Verified review

Kunal

Verified review

Meet Kunal, a customer of ours who came to us when it was time to refinance some investment properties with his wife.

  • Kunal is a keen property investor who owns four properties, three of which are investment properties located in the northern suburbs of Melbourne

  • I used comparison websites to find out which lenders have the best rates and products, which turned out to be loans.com.au. Their products are fantastic.

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Welcome to loans.com.au _

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