Loan amount:
$

Wanting Flexibility With Your Home Loan?

Borrow up to 90%. No monthly fees. Start saving thousands today.
Multi-award winning
awards awards awards

Variable Home Loan

6.04
%
p.a
Rates from***
6.06
%
p.a
Comparison rate*
Discounted home loan rate
Unlimited free redraw
Redraw your funds or pay bills with BPAY
Available for refinance or purchase
No monthly, annual or ongoing fees
Access redraw funds via Visa debit card^
Our Google Rating
4.5
437 reviews

Why Choose This Loan?

Offset available for 0.10%^

Add an offset sub-account with Visa debit card access to help you to pay it off faster and with less interest.

No monthly or ongoing fees

Having no monthly or ongoing fees means you save thousands over the course of your loan.

Unlimited free redraws

Make extra repayments with a redraw and pay off your home faster, whilst still having access to your savings.

No application fee

As an online lender, we save in overhead costs and pass those savings directly on to you.

Work out your loan repayments

Use our home loan calculator to estimate what your monthly mortgage repayments could be.

Your loan details

%
years

Estimated loan repayments

$3,011   per month
$500,000
$583,826

Ready to Start Saving on Your Home Loan?

You'll be taken to the pre-qualify page where we get you into seeing if you’re eligible for a loan.

What Other Customers Are Saying

Best experience

We had the best experience getting a loan with the loans.com.au. Everyone we spoke to was friendly and transparent with communications. We really appreciated all the effort the loans.com.au team put into turning around our finance approval <3

Stamatia B.
04 Jul 2024

Outstanding customer service!

I had an excellent experience with loans.com.au while securing my car loan. Rena and Crystal provided exceptional service throughout the entire process. They were knowledgeable, efficient, and always available to answer my questions.

Rohit P.
17 Jun 2024

Unbelievable result

Unbelievable result achieved by amazing team of professionals! I’m really grateful to loans.com.au for saving my property deal and will recommend everyone to use their services. Thank you!

Alexander S.
15 Jun 2024

Best company for organizing loans

If you ask me who is the best company for organizing loans, I will tell you: it is loans.com.au. I had an excellent experience with them. Sonia, who helped us to get the loan in just 3 days exceeded my expectations. It was done very professionally, without any stress. I would definitely recommend loans.com.au to borrow money from.

Svetlana S.
14 Jun 2024

kind and so helpful

Loans.com.au made it so easy to get my car loan. I was quite overwhelmed when I first started looking in to a loan but once I spoke to Garth, he explained everything so clearly and answered all of my questions without any hesitation. He was so kind and so helpful, and so was everybody else I spoke to within the team.

Jasmin R.
01 Jun 2024

Very helpful with clear communication and quick responses

Ray and Jordan at Loans.com.au have helped us to acquire the mortgage in a short time. They are very helpful with clear communication and quick responses. Definitely recommend anyone give them a go!

Vincent L.
08 May 2024

Exceptional service!

Exceptional service! Grateful to Ray for guiding us through the home loan process for our first home. His expertise, responsiveness, and personalised approach made everything smooth. Highly recommend. Thank you Ray and team.

Mary H.
18 Mar 2024

Very easy process

Very easy process with a friendly lending manager to guide you through.

Helen D.
25 Feb 2024

A big thanks to loans.com.au

My experience in getting a loan from Loans.com.au has been great. I think I was also fortunate in getting a highly experienced loan officer Ray Glowacki who was able to evaluate the circumstance and offer me the most suitable product.

FRANK D.
31 Jan 2024

Extremely helpful

Ray has been extremely helpful in setting up my refinance, he made the process so easy and was happy to take the time to answer all my questions. Thanks Ray!

Tamara W.
17 Jan 2024

Helpful!

Ray was an absolute pleasure to work with. His knowledge and years of experience meant he was able to assess our complex situation to find the best outcome for us. Ray thank you so much for your help and support every step of the way!

Samantha S.
16 Dec 2023

Professional and less stressful application

A big thanks to Ray and his team for making this process seamless. Professional advice and communication throughout the process. Professional and less stressful application than with any other we have been involved in before.

Gareth W.
12 Dec 2023

It's Fast & Easy to Get a Loan with loans.com.au

1

Apply online

Simply fill out your 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

Speak to a specialist

You will then have a phone appointment with one of our lending specialists to finalise your application, and help you progress through the loan approval process through to settlement as quickly as possible.

3

Upload documents (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.

4

Settle & save

Your loan will settle and you'll start saving with your new loan rate!

A variable home loan that saves you more.

Here’s your new offer

Rates

Principal & interest

Interest Rate:

6.04% p.a.***

Comparison Rate:

6.06% p.a.*

Max LVR:

90%

Interest only

Interest Rate:

6.54% p.a.***

Comparison Rate:

6.56% p.a.*

Max LVR:

80%

Key Features

10% deposit minimum

Up to 30 years loan term

Unlimited additional repayments

Refinance or purchase

No monthly or ongoing fees

Offset account optional for 0.10%^

Free redraw on any additional repayments

Repayments

Frequency

Weekly, monthly or fortnightly

Estimated repayments

$3,011 per month#

The monthly repayment estimate is based on a $500,000 loan over 30 years at 6.04% p.a. paying principal and interest.

Fees

Application fee

$0

Ongoing fees

$0

Security assessment fee

$230

Government fees

At cost

Settlement fee

$300

P&I

Interest Rate:

Comp Rate:

Max LVR:

6.04% p.a.***

6.06% p.a.*

90%

IO

Interest Rate:

Comp Rate:

Max LVR:

6.54% p.a.

6.56% p.a.

80%

10% deposit minimum

Up to 30 years loan term

Unlimited additional repayments

Refinance or purchase

No monthly or ongoing fees

Offset account optional for 0.10%

Free redraw on any additional repayments

Frequency

Weekly, monthly or fortnightly

Estimated repayments

$3,011 per month#

The monthly repayment estimate is based on a $500,000 loan over 30 years at 6.04% p.a. paying principal and interest.

Application fee

$0

Ongoing fees

$0

Security assessment fee

$230

Government fees

At cost

Settlement fee

$300

2024 WeMoney - Best for Value (Refinance) 2023 WeMoney - Best Value for Variable 2024 Mozo - Expert's Choice for 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

Frequently asked questions

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.

This loan does not come with an offset sub-account. For more information on our home loan with an offset sub-account: https://www.loans.com.au/home-loans/offset-account/

To apply for the Variable Home Loan or any of our loans, visit: https://www.loans.com.au/apply or call 1300 471 806 and one of our lending specialists can help, or even complete the application for you.

Ready to Start Saving?

You'll be taken to the pre-qualify page where we get you into seeing if you’re eligible for a loan.

TAP to chat!