Get in touch

Please enter your contact details and we'll be in touch.

If you settle a loan with us as a result of your friend’s referral, your friend will receive a small referral fee.
 

Calculate how much you could save with loans.com.au


1 Fill in your variable home loan details

2 Compare how much you could save over the life of your loan

3 Enter the competition to win $20,000 cash

Your home loan details

Please enter a valid interest rate without the % symbol. Please enter a valid interest rate without the % symbol
Please enter the correct amount you wish to borrow. Please enter the amount you wish to borrow
Maximum of 7 characters are allowed here. Please enter any fees charged per year
Please enter the term of the loan in whole years

Your total repayments

${{bar.amount | number}} {{bar.lender}}

Please fill more details to view potential savings

You could save ${{savings | number}} over the life of your loan if you switch to loans.com.au. That’s a ${{savings/(remainingTerm*repaymentFreqVal) | number:0}} {{repaymentFreqTxt | lowercase}} saving.

Hmmm… please make sure your variable interest rate and fees are entered correctly.

Looks like you’ve got a special rate there.
If it changes, look us up. Loans.com.au has consistently low fees and competitive interest rates that keep the pressure on other lenders to help you save.

Apply
This is a direct comparison to the equivalent loans.com.au product and takes into account only the information entered. Savings are estimated and are for illustrative purposes only.
 

Why choose us?

Award winning

The latest additions to our trophy cabinet are 2015 Home Lender of the Year from Mozo, and a Financial Review Smart Investor Blue Ribbon Award.

Great value

We are online only, so what we save on the cost of branches, we pass on in the form of lower interest rates for our customers.

Hassle free

In less than a minute, you can find out if you prequalify for a home loan, then apply online in just five steps.

Ratings & reviews

  • 5

    April 20, 2017

    Value for money: 5/5

    Customer service: 5/5

    The team were brilliant with the level of customer service they provided to me. I was so impressed that I am now in the process of refinancing my second loan through loans.com.au. I really don't think that any other online financial institution could be as effective and efficient as loans.com.au. I will certainly be recommending loans.com.au to my family and friends.

  • 4

    April 19, 2017

    Value for money: 5/5

    Customer service: 4/5

    Excellent service and support throughout the whole process. Lending manager was very helpful with changes throughout the application process. Could not be happier.

  • 5

    April 12, 2017

    Value for money: 5/5

    Customer service: 5/5

    Very prompt and efficient service. All queries were addressed within the day and guided me all the way through the process. Will definitely recommend loans.com.au to others.

 

Our rates

 
 
OffsetRecommended for owner occupiers wanting a low rate and an offset redraw.
Essentials Recommended for owner occupiers who want a streamlined home loan.
Fixed Recommended for owner occupiers who want the security of a fixed rate.
Construction  The perfect loan if you are looking to build your dream home or renovate.
Rates & fees 
Interest rates*
Variable interest rate

3.72% (up to 80% LVR)

4.04% (up to 90% LVR)
Variable interest rate

3.64% up to 80% LVR
Fixed interest rate

3.89% (1 year)

3.99% (2 year)#

4.19% (3 year)
Variable interest rate

4.41%
An interest rate loading of 0.25% applies to investment only loans. View all rates. package your owner-occupied loan with your investment loan and get our low rates for both.
 
Comparison interest rates*
3.74% (up to 80% LVR)

4.06% (up to 90% LVR)
3.66% (up to up to 80% LVR)
3.75% (1 year) 4.09% (1 year)

3.78% (2 year)#

3.84% (3 year)
3.82%
 

© 2015 copyright of loans.com.au Pty Ltd ACN 082 587 095 Australian Credit Licence 395219

Disclaimer

^Split combinations of dream loan offset variable and dream loan essentials are not permitted.

*Rates as at 18 December 2015. The comparison rate is based on a $150,000 loan over 25 years. Warning: this comparison rate is true only for this example and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Lending criteria, fees and conditions apply. Rates, fees and conditions are indicative, available for new loans only and subject to change without notice.

**$150 voucher for Slater & Gordon Conveyancing Works only. Voucher provides $150 off the standard conveyancing fees for a purchase or sale transaction. Terms & conditions apply.