Buy your dream home
Get pre-approved for a home loan and search for your first home or next home with confidence.
Variable Bare Home Loan
-
Borrow up to 90% LVR -
Streamlined Bare loan or fully featured Bold loan available
-
No transaction fees for redraws
-
No monthly or ongoing fees
Buying your dream home journey
Learn & plan
Start your property and suburb research, and familiarise yourself with loan options.
Understanding the financials
Learn about your borrowing capacity, repayments, and how much you'll need in addition to a deposit and prepare your property budget.
Start house-hunting
If you're visiting open homes and starting to narrow down your choices, having a clear idea of your budget is beneficial.
Ready to buy
Found the one? Start your loan application.
Why Aussies Choose Us
Apply anytime, and
from anywhere
Fast tracked pre-approval in minutes
Smarter lending to get you moving sooner
Online convenience,
local support
Your property report
Here’s what you’ll get in the loans.com.au free property report.
The report contains:
A list of the recent sales of properties similar to the one you are looking at.
A list of properties currently on the market, similar to the one you are looking at.
An estimation of the value of the property.
Guide to buying your new home
From information on our easy steps to apply for a home loan, to advice on pre-approvals and buying a home, you can find it all here.
Leon
Our home loan application process
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.
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.
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.
Signing document
Check onTrack to received your final approval, mortgage documents and loan agreement. You must sign these and return them in to onTrack.
Settlement
Your loan will settle, and you’ll enjoy your new loan rate.
Access your account
Once settlement is complete, we will send your login credentials to start managing your payments in the Smart Money app.
Frequently asked questions
Selling your existing house before buying a new one gives you time to find your subsequent home. However, selling first does mean you’ll need to find accommodation quickly once your home has sold.
Meanwhile, buying a new home before selling the old one could be a suitable option because you’ll have a place to move in with your family. But to do this, you need to be able to cover costs of loan repayments for both properties for however long it takes to sell your old property. A bridging home loan could help you cover the cost of the new property purchase while you sell your old house.
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.
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 on timeframes and documents required for your application:
What documents do I need to refinance my home loan?
An offset sub-account is linked to your home loan and helps reduce the interest you pay. Instead of earning interest like a regular savings account, the balance in your offset reduces the portion of your loan that accrues interest. This can help you pay off your loan faster and save on interest costs.
Key things to know:
- It's a sub-account of your loan, not a separate deposit account.
- Funds in the offset sub-account are not covered by the government deposit guarantee.
- The offset cannot exceed your home loan balance.
If you have any questions, our friendly team is here to help!
As an online lender, we operate without the overheads of a physical branch network or broker commissions. Our digital processes and innovative technology help us keep costs down. This allows us to pass those savings directly on to you through competitive home and car loan rates.
Who is loans.com.au?
Established in 2011, loans.com.au is one of Australia's first online lenders offering great value and award-winning car and home loans. Part of the Firstmac Group, Australia’s leading non-bank lender, we’re backed by four decades of expertise. Our Brisbane-based lending specialists have helped thousands of customers make confident decisions and save on their home and car buying journeys.
Kathryn
Lending Specialist
Ready to talk with a real person about our variable rate home loans?
Our experienced home lending specialists are here to help. Let's chat about your home loan options today.