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What’s so good about the Smart Home Loan?


If you’re ready to buy your dream home, this could be the right loan for you. We save in overhead costs and pass those savings directly on to you. So, we don't charge you an application fee, or any ongoing or monthly fees.


You can split this loan with one of our low fixed rate loans. You also have unlimited repayments and unlimited free redraws, with the option to add a redraw offset facility to the loan.

Top reasons to choose Smart Home Loan

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Offset available
for 0.10%**

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No monthly or
ongoing fees

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Unlimited free
redraws

Other features include…

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Unlimited additional repayments

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Weekly, fortnightly and monthly repayments

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Smart Money app

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Pay your bills with BPAY

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Multiple loan splits available

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Direct debit arrangement

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Schedule recurring transfers

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Want to add an offset?


Add a redraw offset facility with VISA debit access to your loan to help you to pay it off faster and with less interest.

No ongoing or monthly fees

Online, ATM and VISA debit access to your money

Pay less interest on your loan!


Whenever you put money into your redraw offset facility, that money is 100% “offset” against your home loan, with VISA debit access. So, if you had a home loan of $350,000 and $5,000 in your redraw offset facility, you only pay interest on the $345,000.


You can even maximise the "offset effect" by arranging for your salary to be paid into your redraw offset facility. In this way your money is immediately put to work for you, saving interest!

 

 

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.

Home Loan Calculator

Use our Home Loan Calculator as a general guide to what your repayments are likely to be on your new home loan.

The Home Loan Calculator will also tell you how much you will pay in total over the life of your loan and let you compare two different home loans to find out which is the best value.



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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.

APPLY NOW
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  • $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.

Our team of Australian-based lending specialists is ready to work to your time frames so you can purchase your car with confidence.

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 40 years and has more than $12 billion in mortgages under management.

 

Reasons to choose us

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

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

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.

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!

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

Speak to one of our friendly and experienced Loan Specialists, like Jazmin, to find the right low rate loan package for you. Call 8am - 6pm Monday to Friday.

Arrange a call
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