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Discount Offer - Terms & Conditions

Turbo-charge your investment returns

Looking for a loan package for your owner-occupied and investment loans? Our Smart Loan Package has great low rates and all the features you need in a home loan.

By packaging your owner-occupied loan with your investment loan, you can enjoy low rates for both. You also benefit from a range of home loan features, including a 100% redraw offset facility, flexible payment options, split loan facilities and much more.

Top reasons to choose smart loan package


100% redraw
offset facility


Interest Only
option available


Unlimited free

Other features include…


Free VISA debit card


No monthly or ongoing fees


Unlimited additional repayments


Access your funds using EFTPOS or ATMs


Weekly, fortnightly and monthly repayments


Multiple loan splits available ^


Smart Money app


Pay your bills with BPAY


Direct debit arrangement


Schedule recurring transfers

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 are 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, let's talk!

When you apply online with loans.com.au, you get the same experience as a private bank! You will be assigned your very own lender who will stay with you all the way through to settlement.



*Rates as at 5 July 2019 for Offset home loan up to 80% LVR under the package. Different interest rates apply to loans with an LVR greater than 80%, investment only security, loans with interest only repayments, product rollovers, and internal refinances. 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.

# Based on the dollar value and loan term represented in the search fields with P&I repayments

^Split combinations of Offset variable and Essentials loan are not permitted.

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