13 10 90
Smart Booster Home Loan
Boost your equity. Own your home sooner.
- Option to add an offset for 0.10%^
- No monthly or ongoing fees
- Unlimited redraws
Smart Booster Home Loan - Owner Occupied
We're awarded
Looking for a low rate home loan?
The Smart Booster Home Loan is our low rate home loan which allows you to boost your savings, build your equity and own your own home, sooner.
No matter whether you're buying your first home, a new home or looking to refinance to a better rate, we're here to help you save thousands.
Smart Booster Home Loan Rates
Product Name
Initial Rate
Rollover Rate
Comparison Rate*
Max LVR
Smart Booster Home Loan~ SPECIAL OFFER
Discount Variable - 2 year
3.60%
4.00%
3.96%
80%
Initial Rate
3.60%
Rollover Rate
4.00%
Comparison Rate*
3.96%
Max LVR
80%
Home Loan Features
Offset available for 0.10%^
Add an offset sub-account with Visa debit card access to your loan to help you to pay it off faster and with less interest.
No monthly or ongoing fees
Having zero recurring fees means you save thousands over the course of your loan.
Unlimited free
redraws
Reduce your loan term, whilst still having access to your savings.
Reasons to add an offset
Add an offset sub-account with Visa debit card access to your loan to help you to pay it off faster and with less interest.
Whenever you put money into your offset sub-account, that money is 100% "offset" against your home loan, with Visa debit card access. So, if you had a home loan of $350,000 and $10,000 in your offset sub-account, you only pay interest on the $340,000.
You can even maximise the "offset effect" by arranging for your salary to be paid into your offset sub-account. In this way your money is immediately put to work for you, saving interest!
Digital wallets
Add your card to your digital wallet to make contactless payments on your devices.
Pay in store using your iPhone, Apple Watch, iPad and Mac devices. Apple Pay is also the safer and faster way to pay on participating websites and in selected apps because you no longer have to create an account or fill out lengthy forms.
Pay online, in stores, and more using your Google devices, and manage your account wherever you want – on the web or in the app.
Home loan repayment calculator
Use our home loan calculator to estimate what your monthly mortgage repayments could be. Whether you're refinancing or just wanting to understand how much you can afford, all you have to do is enter how the amount you would like to borrow, interest rate, home loan term, payment frequency, and repayment type (either principal & interest or interest-only).
Your estimated repayments are
Searching for an affordable home loan rate? Look no further! The Smart Booster will help you boost your equity and own your own home sooner.
Our process
At loans.com.au, we make borrowing simple. We’re here to help you from application through to settlement.
Apply online
Fill out our online application or talk to one of our Australian-based lending specialists to do the hard work for you.
Goodbye paperwork!
Log in to onTrack app and easily upload the required documents. Plus, you can track your application through to approval.
Settle & save
Our innovative online process gets you to settlement quickly, so you can start saving thousands sooner.
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
Application fee
$0
Monthly fees
$0
Annual fees
Who is loans.com.au?
loans.com.au is a proudly Australian, award-winning online lender based in Brisbane.
Since we were founded in 2011, we have grown to become an industry leader with thousands of happy customers in every state and territory. We are powered by the strength of Firstmac, Australia’s leading non-bank lender. Firstmac has been operating successfully for over four decades and it has more than $13 billion in mortgages under management. Firstmac and loans.com.au are also Premier Sponsors of NRL team the Brisbane Broncos.
Reasons to choose us
Award winning
By revolutionising the loan application process and our market-leading rates, we keep on winning awards for our products, innovations and customer service, year after year!
Hassle-free
In less than a minute, find out if you pre-qualify for a home loan and apply online.
Great Value
We don’t have a branch network to maintain or mortgage brokers to pay, so fewer overheads mean those savings translate directly into lower interest rates and fees for our customers.
Secure
We employ industry-leading technology to keep your information safe. All data sent and received is protected by 256 bit SSL encryption and a firewall mechanism to ensure confidentiality.
Online doesn't mean impersonal, let's talk!
Online doesn't mean impersonal, let's talk!
Online doesn't mean impersonal, let's talk!
This is Brodie. He’s been with loans.com.au for more than 7 years now. Outside of work, he likes wakeboarding, camping and cricket and enjoys spending time with family.
As an experienced lending specialist, Brodie and our team can answer all your questions on our green home loan and our other loans to get you on track and start saving thousands.
Speak to Brodie, or one of our many friendly and trusted lending specialists to help find the right loan for you
Call 8am - 6pm Monday to Friday, or chat to us on Live Chat at a time that suits you.
Our awards
As one of Australia’s first online lenders, we move fast and continue to develop our technology and loans to make sure it’s meeting what our customers actually want, whether it’s making improvements to our apps, processes, rates or even providing more environmentally friendly loans.
Because of this, we’ve won awards each consecutive year since 2011 for our innovation, low rate home loans and car loans and extras like our offset sub-account from experts like RateCity, Canstar and Mozo to name a few.
Features, rates & fees brochure
Get all the information you need on different loan features, rates & fees in this easy-to-read loans guide.
From streamlined packages to fully-featured loans, you will find the low-rate home loan to suit your lifestyle.
We're the home of smart money
We're the home of smart money
We're the home of smart money
loans.com.au is an Australian owned, multi award-winning online lender. We have earned our track record with low interest rates and flexible finance products. Since 2011 loans.com.au has been able to meet the needs of tens of thousands of customers around Australia; people just like you. We continue to innovate to stay ahead of the competition and give our customers the best of what new technology can bring to money management.