LIMITED TIME OFFER
Find out if you qualify

Save thousands on your mortgage

The Smart Home Loan is a no-bells-and-whistles loan with a super-low rate, unlimited additional repayments and free redraws.

Home buyers and refinancers
The same rate applies whether you are buying a new home or looking to reduce your monthly repayments by refinancing.

If you are looking for a simple, low-rate home loan that will save you money on interest and fees, then this is the perfect loan for you!

Low fees
The Smart Home Loan also saves you money with no ongoing fees:

  • $0 Monthly fee

  • $0 Annual fee

  • $0 Application fee

Top reasons to choose Smart Home Loan

No monthly or ongoing fees

Unlimited free redraws

Multiple loan splits available ^

Other features include…

Unlimited additional repayments

Weekly, fortnightly and monthly repayments

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.

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 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.

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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