Flexibility starts with our variable rate home loan!

You can get your dream home at a low rate because we don't have to pay for branches or broker commissions and have innovative technology processes, which means we pass our savings directly on to you.

For an extra 0.10%^ to the loan, you can add a 100% offset sub-account with online, ATM, EFTPOS & Visa debit card access to your money, plus unlimited free redraws. For more information on our home loan with an offset sub-account: https://www.loans.com.au/home-loans/offset-account/

To apply to any of our loan options, visit: https://www.loans.com.au/apply or call 1300 471 806 and one of our lending specialists can help, or even complete the application for you.

There are a few documents you'll need to provide in your home loan application. Some of these include:

• Two (2) most recent consecutive payslips for each applicant
• Three (3) months bank statements showing regular salary credits, including most recent salary credits with the name of the employer evident
• Evidence of Salary Sacrifice or Packaging (if applicable)
• Evidence of Company Vehicle/Car Allowance (if applicable)
• Six (6) consecutive months of home loan statements showing consistent repayment history (if applicable)

loans.com.au requires a minimum deposit of 10% of the purchase price of the property, or the current value of the property if you are refinancing. To avoid paying Lenders Mortgage Insurance (LMI), borrowers need a 20% deposit in most cases.

The settlement process is different depending on each individual applicant's personal situation, but we generally say it can take anywhere between 4 to 6 weeks. To get to settlement, you'll need to apply, speak to one of our lending specialists, upload your documentation, get the property valued, have your loan approved and the documentation delivered and signed, then you'll settle.

After settlement, you'll nominate on your direct debit form when you start repayments. Our Customer Care team will also confirm your repayment dates when calling you at loan settlement. Additional repayments into a fixed home loan are allowed and are up to $10,000 per year.

We charge a $300 settlement fee plus a security assessment fee. The security assessment fee for a standard property in a metropolitan area in a major city starts at $230 for properties valued up to $1 million. The security assessment fee is not refundable and is payable when the security assessment is ordered.

We sure do! Introduce someone to loans.com.au and we'll reward you when they settle their loan with us!

For home loans, we'll give you a huge $1000 bonus when they settle their home loan with us and your friend will also receive $1000.

For car loans, we'll give you a huge $250 bonus when they settle their car loan with us and your friend will also receive $150 off their settlement fee.