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
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Borrow up to 90% LVR -
Streamlined Bare loan or fully featured Bold loan available
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No transaction fees for redraws
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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
Free guides & reports
Create a property report
Get a list of the similar property sales in the area.
Get a list of properties currently on the market, similar to the one you are looking at.
Get an estimation of the value of the property.
Your guide to buying a home
Most people have questions about the refinancing process, so we’ve created this guide to make things easier for you to understand and help you start saving sooner.
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Customer reviews
Our Google Rating
Our home loan application process
Apply Online
Complete your application through our online platform. Don't forget to contact your current lender to request a 'Discharge Authority Form' from your existing loan.
Upload & Track
Submit your documents and monitor your application in real time via our onTrack portal.
Speak to our Specialist
Our lending specialists will guide you through the process to switch over and refinance your home loan.
Approval & Signing
Review and sign your mortgage documents securely via onTrack.
Settlement
Your loan settles, which means your funds will be ready to be paid out to your previous lender.
Manage Your Loan
You'll receive your login details to manage your repayments and account details via our 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.