• %
    variable rate p.a.
  • %
    comparison rate p.a.

Discount Offer - Terms & Conditions

Why choose our fixed rate loan?

loans.com.au has been shaking up the Australian home loan market for seven years with our super-low fixed and variable rates. Now we have done it again with this incredible 3-year fixed rate special!

For a price lower than most other lenders’ variable rates, you get the confidence of knowing your repayments are locked in for the next three years.

Other great features include:

  • FlexibilityYou can fix part of your loan at this low rate, and leave the rest on our low variable rate. This reduces your exposure to any rate changes but still lets you use our 100% redraw offset facility to reduce your interest.
  • Added securityA Rate Lock to ensure your interest rate doesn’t change in the period between application and settlement.
  • Repayment optionsChoose weekly, fortnightly, or monthly repayments with up to five years interest-only and, at the end of the fixed term, your interest rate reverts to a variable rate.
  • Property transfersYour fixed rate home loan is transferable from one property to the next without the need for a full application.

This awesome 3-year Fixed Rate Special is just one of the limited time discounts that we are currently offering. To find out about all of our specials and get the perfect deal for you, book a phone appointment with one of our friendly Lending Specialists.

Top features


Rate lock option


Interest Only
option available


Weekly, fortnightly and
monthly repayments

Other features include…


Multiple loan splits
available ^


No monthly or
ongoing fees


Smart Money app

Our Super Low Fixed Rates

Fixed Rate Term
Owner Occupier Fixed Rate Comp Rate*
Investor Fixed Rate Comp Rate*

It's so simple

You can go from application to settlement in three easy steps.
Here’s how to lock in a super-low-rate home loan, real quick.

1. Apply

Apply online or on the phone with one of our loan specialists.

2. onTrack to Approved

Track your application, receive your loan documents and set up online services with our award winning onTrack app.

3. Settle and Save

We do everything required for the loan settlement, so you can start saving money.

Fast track your application

If you're ready to move fast on your home loan, we can get you there in a few easy steps with our hassle-free online applications.

Get your loan from approval to settlement quickly with onTrack, giving you control over your application, 24 hours a day, 7 days a week.


  • $0
    Monthly fee
  • $0
    Annual fee
  • $0
    Ongoing fees

Who is loans.com.au?

loans.com.au is an award-winning online lender that is proudly Australian and based in the heart of Brisbane. Since we were founded in 2011, we have become an industry leader with thousands of happy customers in every state and territory. 

From our local call centre, our service team helps hundreds of customers around the country every day. 
Home buyers are choosing us because we don’t have expensive branches and we pass the savings on to them.

We are backed by the financial strength of our associate company Firstmac, which is Australia’s largest non-bank lender. Firstmac has been operating for 39 years and has more than $11 billion in mortgages under management.


Reasons to choose us

We offer consistently low rates and no ongoing fees, saving our customers thousands of dollars.

  • 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.
  • Award-winning The latest addition to our trophy cabinet is the CANSTAR 5 Star Rating Outstanding Value for Variable Home Lender - Owner-Occupied and Investment.

Online doesn't mean impersonal, lets talk!

Jazmin has been with loans.com.au for over 5 years. As an experienced Lending Specialist, Jazmin can answer all your questions and help you start saving sooner.

Speak to one of our friendly and experienced Lending Specialists, like Jazmin, to find the right low rate loan package for you.

Call us on
13 10 90
Request A Call
7am - 7pm, Monday to Friday. AEST