Your fully featured Variable Bold Home Loan
Smart options to make lending flexible
Variable Bold Home Loan
-
Borrow up to 90% LVR -
Offset sub-account available
-
Principal & Interest (P&I) or Interest-Only (IO) repayments
-
No transaction fees for redraws
-
No monthly or ongoing fees
Why choose our Variable Bold Home Loan?
Flexible repayment options
Zero monthly or ongoing fees
Unlimited free redraws
Quick & easy process
A variable bold home loan that saves you more.
Meet the team behind Australia's Home of Loans
We have a friendly team of Australian-based lending experts here to help you from application to settlement, so you can get a better loan and start savings thousands.
Frequently asked questions
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.
Yes, our Variable Bold Home Loan comes with a 100% offset sub-account which includes:
-
Full access to your money via online banking, ATMs, EFTPOS, and a Visa debit card
-
Unlimited free redraws for added convenience
Learn more about our Variable Bold Home Loan’s offset sub-account feature.
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!
A variable rate mortgage offers much more flexibility in comparison to a fixed rate loan. Variable rate mortgages have a full redraw facility, allowing you to make unlimited additional repayments and withdraw them at any time. And, if your lender reduces their rates across the board, you will benefit from a rate reduction.
We sure do! Introduce someone to loans.com.au and we'll reward you when they settle their loan with us!
For home loans, we'll give you a huge $1000 bonus when they settle their home loan with us and your friend will also receive $1000.
For car loans, we'll give you a huge $250 bonus when they settle their car loan with us and your friend will also receive $150 off their settlement fee.
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?
Our home loan application process
Apply Online
Complete your application through our online platform.
Upload & Track
Submit your documents and monitor your application in real time via our onTrack portal.
Speak to our Specialist
Our lending specialists will make an appointment with you to guide you through the loan process, including getting a pre-approval.
Approval & Signing
Review and sign your mortgage documents and loan agreement via onTrack.
Settlement
Your loan settles, which means your funds will be ready.
Manage Your Loan
You'll receive your login details to manage your repayments and account details via our Smart Money app.
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.
Hamish
Customer reviews
Our Google Rating
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.