Loan amount:
$

Buy your dream home

Get pre-approved for a home loan and search for your first home or next home with confidence.

Multi-award winning

  • awards
  • awards
  • awards

Variable Home Loan

5.54
%
p.a
Rates from***
5.58
%
p.a
Comparison rate*
  • Borrow up to 90% LVR at a discounted rate***
  • Offset sub-account available for +0.10%^
  • No transaction fees for redraws
  • No monthly or ongoing fees
Our Google Rating
4.5
515 reviews

Our home loans

Loan reasons
Loan type
Home Loan Interest Rate Comparison Rate Monthly Repayment Product Features Details

3 Year Fixed (Special)

Owner Occupied Principal & Interest Up to 90% LVR
5.34% p.a. 5.67% p.a.  $2,789
  • 3 year fixed term
  • 10% deposit minimum
  • 90 day rate lock option available*^
  • No monthly or ongoing fees
  • Up to $10,000 extra repayment/year
  • Split with variable rate
Do I Qualify?

Variable Home Loan

Owner Occupied Principal & Interest Up to 90% LVR
5.54% p.a. 5.58% p.a.  $2,852
  • Discounted home loan rate***
  • 10% deposit minimum
  • Offset sub-account available for +0.10%^
  • No monthly or ongoing fees
  • Fee free redraw on any additional repayments
  • Pay your bills via BPAY
Do I Qualify?

Green Home Loan

Owner Occupied Principal & Interest Up to 90% LVR
5.49% p.a. 5.95% p.a.  $2,836
  • Discounted 5yr green home loan rate~~
  • 10% deposit minimum
  • Offset sub-account available for +0.10%^
  • No monthly or ongoing fees
  • Fee free redraw on any additional repayments
  • Pay your bills via BPAY
Do I Qualify?

Solar Home Loan

Owner Occupied Principal & Interest Up to 90% LVR
5.49% p.a. 5.95% p.a.  $2,836
  • Discounted 5yr solar home loan rate~~~
  • 10% deposit minimum
  • Offset sub-account available for +0.10%^
  • No monthly or ongoing fees
  • Fee free redraw on any additional repayments
  • Pay your bills via BPAY
Do I Qualify?

ZIP Home Loan

Owner Occupied Principal & Interest Up to 80% LVR
5.94% p.a. 5.98% p.a.  $2,978
  • $5,000 interest free Visa debit card
  • 20% deposit minimum
  • No monthly or ongoing fees
  • Fee free redraw on any additional repayments
  • Pay your bills via BPAY
  • Access your account via Smart Money app
Do I Qualify?
2024 WeMoney - Best Value for Refinance 2023 WeMoney - Best for Value (Variable) 2024 Mozo - Expert's Choice for Best Green Home Loan Gold Award - Best Green Home Loan 2022 WeMoney - Outstanding Customer Service
Our home loan products are recognised & awarded by the Australian financial industry

Why choose loans.com.au to help you buy your home?

Low Interest rates (buying next home) image

Low interest rates

As an online lender, we offer lower interest rates and fees which means you can save more when buying your home.

Flexible options(buying next home) image

Flexible options

Looking to save with an offset, or make extra repayments with a redraw? We have a full range of loan options to lifestyle.

Award winning(buying next home) image

Award winning

We’re award winning, so that’s a win for you too. As a customer you’ll enjoy the benefits of our award-winning home loans.

Fast pre-approvals(buying next home) image

Fast pre-approvals

Apply online or chat to one of our Australian based lending specialists for a quick pre-approval decision and easy application.

Borrowing Power Calculator

Tell us more about you

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Get ahead with the right home loan

Get a pre-approval decision quickly.

Real-life customer stories

View all
Slide 1

nikki

Meet Nikki, a fantastic customer of ours who came to us when it was time to buy a bigger home.

  • My wife and I have a son and we are looking to potentially expand our family with another child, so we needed a bigger house.

  • We wanted to work out a deal with the person buying our old home, the person selling to us, and, of course, ensure that the finance arrangements would support that. loans.com.au played a large role managing the finance side of things and ensuring that no bridging finance was required.

Slide 1

Alex

Meet Alex, one of our awesome home loan customers who asked us for help to downsize his home and reduce his mortgage.

  • Even though we had a big deposit from the sale of an earlier home which had doubled in price, after 12 hikes the rising repayments on the new home became too much.

  • Our existing loan was with loans.com.au, and they had a very competitive interest rate, so we spoke to them and arranged finance for our new, more affordable home.

Slide 1

Baburaj

Meet Baburaj, a customer of ours who has financed multiple investment properties with us over the years.

  • Baburaj has been building or buying and renovating investment properties for more than a decade.

  • I have been with loans.com.au for about five years. Over that period, I’ve had five or six loans. I like to stick with loans.com.au because they know my history.

What other customers are saying

Absolutely brilliant, professional and very informative

What a joy to deal with Liam and Emira from Loans.com. I started applying for my car loan last Thursday and by Tuesday afternoon the car dealer was paid. Liam and Emira were absolutely brilliant, professional and very informative. My mortgage comes off fixed next June and I know where I will be moving to. Thank you for everything.

Carolyn G.
19 Jun 2025

The loan process was really easy and quick

The loan process was really easy and quick. Staff is really friendly and keep you updated. Highly recommended.

Vishal K.
18 Jun 2025

The fastest and easiest process I have ever had in regards to any finance

The fastest and easiest process I have ever had in regards to any finance. From first chat to settlement in 24 hours and constant communication the entire way! Trina is first class! Emira was SENSATIONAL! BEYOND RECOMMEND!

Brian S.
17 Jun 2025

The team was absolutely amazing to deal with

I have dealt with Jessica on a recent new home loan application and Jessica and the team was absolutely amazing to deal with. Super quick and kept with in the loop throughout the process. Second to none customer services!

Simon L.
16 Jun 2025

I could not have asked for a better service

The service and follow up provided by the loans.com.au team was impeccable. I could not have asked for a better service.

Caraman C.
13 Jun 2025

They have exceptional customer service!

I was referred to loans.com.au and now I see why, they have exceptional customer service! I feel so fortunate to have had Rena and Trina handle my application. They were both incredibly friendly, kind, and efficient when it came to processing and approving my application. They genuinely care about helping others and made the entire process smooth and enjoyable.

Rojina R.
12 Jun 2025

I was very impressed with loans.com.au

I was very impressed with loans.com.au pragmatic credit policies and the excellent service I received from Emira and Trina in applying for and settling my car loan. They also have 2 very user friendly apps to help with the process. Very easy to deal with, I would definitely recommend them to anybody wanting a stress free and smooth experience.

Joe F.
12 Jun 2025

Had good experience

Had good experience with Jasmine and Tiffany who supported me along the way from getting a pre-approval quickly, through the purchase and to the settlement. Not to mention competitive rates and borrowing power they provide.

Gleb L.
11 Jun 2025

Had a great experience with loans.com.au

Had a great experience with loans.com.au. Was the best rate/lowest fees I could find and the service was faultless. I won't be going anywhere else for vehicle financing in the future.

John M.
10 Jun 2025

I am tremendously satisfied

I am tremendously satisfied with Sonia and Harriet’s assistance with my loan applications. Loans.com was recommended by a family friend and Sonia portrayed immense knowledge and professionalism when working with me to get the best financial outcome. Sonia has exceptional expertise in her subject matter and was incredibly responsive, and together the team made sure I was able to meet my deadline without any stress. Fantastic experience – will highly recommend Sonia and her team at Loans.com!

Ridhima G.
10 Jun 2025

If I could give 6 stars in this review I would

In all my dealings with loans over the years, Stuart is hands down one of the best I’ve ever come across. His professionalism, responsiveness, and genuine willingness to help sets a new standard. I would absolutely recommend loans.com.au—and especially Stuart—to anyone looking for a hassle-free and professional mortgage experience. If I could give 6 stars in this review I would.

Beau B.
10 Jun 2025

I love to deal with them directly

I am with Loans.com.au since 2014 and I have got multiple loans from new purchases and refinance of IP to OO loans. They have been exceeding my expectation every time. I love to deal with them directly and their lending specialist and support staff are second to none compared to other banks including the big 4. Highly recommend!

Shiva S.
07 Jun 2025

Our home loan application process

1
Application

Application

Simply fill out your home loan 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.

2
onTrack

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.

3
Speak to specialist

Speak to specialist

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.

4
Signing document

Signing document

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

5
Settlement

Settlement

Your loan will settle, and you’ll enjoy your new loan rate.

6
Access your account

Access your account

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

Common home loan questions

Selling your old house before buying a new one gives you the luxury of time. However, selling first does mean you’ll need to quickly find accommodation once your home has sold.

Buying first is a great option for those who have little ones or elderly loved ones, as you will have already found a place to move your family. However, you must be financially stable enough to cover the costs of loan repayments for both properties for however long it takes to sell your old property.

Unlike many other lenders, we charge no monthly, annual or ongoing fees. The only fees you will pay on your home loan are a one-off $300 settlement fee plus a security assessment fee, which for a standard property in a metropolitan area in a major city starts at $230 for properties valued up to $1 million.

You have the option to add a 100% offset sub-account to your loan. Many people choose to do this to help pay their home loan faster and save thousands on interest payments. For an extra 0.10% to the loan, you can add a 100% offset sub-account with online, ATM, EFTPOS & Visa debit card access to your money, plus unlimited free redraws. For more information on adding an offset, click here.

You can use our equity calculator to calculate your usable equity and find out how you can use it to help finance the purchase of your next home. Calculate your equity here.

Simply fill out your application online by entering some of your details here.

Alternatively, chat to one of our friendly lending specialists on 1300 471 681 and they can complete your application for you.

After your application is complete, use our app onTrack on your desktop or device to add your documents such as payslips, and details of your existing loan. In the onTrack app, you can track the progress of your application. For more information for documents required for a home purchase or build:
What documents do I need to buy or build a home in Australia?

We can provide approval for applicants in as little as 2-3 days, pending the customer's individual circumstances and all correct documentation has been provided. It's important to note that this is not a 'one size fits all' number, and the approval time will depend on each individual applicant's circumstances.

We'd always advise our customers to have the right documentation ready at application stage, so you can move forward with your application as quickly as possible. For more information for documents required for refinancing:
What documents do I need to refinance my home loan?

And for more information about documents required for a purchase or build:
What documents do I need to buy or build a home in Australia?

A property report is helpful if you're looking to purchase a new property, know the address and want to determine if it’s the right property for you, or potentially in a high growth area.

Our property reports provide information such as Estimated property value, Property mapping, Properties sold in the area, Market comparison, Median sale prices in the area and Suburb insights.

You can get your dream home at a great low home loan rate because of our online model. We don't have to pay for branches or broker commissions, which means we are able to pass our savings directly on to you through low home loan rates and and no ongoing, annual or monthly fees.

Who is loans.com.au?

loans.com.au is a proudly Australian, award-winning online lender based in Brisbane. Since we were founded in 2011, we have grown to become an industry leader with thousands of happy customers in every state and territory. We are powered by the strength of Firstmac, Australia’s leading non-bank lender.

Get ahead with the right home loan

Get a pre-approval decision quickly.

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