Find out if you qualify

Boost your equity.

Own your home sooner.

Smart Booster Home Loan
  • 1.85%
    discount variable p.a.~
  • 2.21%
    comparison rate p.a.*
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Fixed Rate Special

Peace of mind at a super-low price!

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1 Year Fixed Loan
  • 2.29%
    fixed rate p.a.-
  • 2.85%
    comparison rate p.a.*

Get a low rate home loan, your way

Set your home loan up just how you like it. At loans.com.au, we have great low rates for both fixed and variable home loans. That way, you can choose to have the flexibility of a variable rate, the certainty of a fixed rate for the next few years, or even split across both to get the best of both worlds.

Key features

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No monthly or ongoing fees

No monthly or ongoing fees, helping you save more.

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Unlimited additional repayments

Opt for our low rate variable home loan with one of the best in market rates and features.

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Same rate for refinancing and new home

You can get the same low rate whether you're refinancing from your current lender so you can save thousands, or if you are buying a new home.

Interest rates

Product Name

Max LVR

Principal & Interest rate p.a.

Interest only rate p.a.

Smart Booster home loan~

80%

1.85% (reverts to 2.25% after 2 years)
2.21% comp rate*

-

Smart home loan**

80%

2.48%
2.50% comp rate*

2.79%
2.81% comp rate*

 

90%

2.79%
2.81% comp rate*

-

Max LVR

80%

Principal & Interest rate p.a.

1.85% (reverts to 2.25% after 2 years)
2.21% comp rate*

Interest only rate p.a.

-

Max LVR

80%

Principal & Interest rate p.a.

2.48%
2.50% comp rate*

Interest only rate p.a.

2.79%
2.81% comp rate*

Max LVR

90%

Principal & Interest rate p.a.

2.79%
2.81% comp rate*

Interest only rate p.a.

-

Key features

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No monthly or ongoing fees

No monthly or ongoing fees, helping you save more.

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Repayment options
 

Choose weekly, fortnightly, or monthly repayments with up to five years interest-only and, at the end of the fixed term, your interest rate reverts to a variable rate.

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Property transfers
 

Your fixed rate home loan is transferable from one property to the next without the need for a full application.

Interest rates

Product Name

Max LVR

Principal & Interest rate p.a.

Interest only rate p.a.

1 Year Fixed-

90%

2.29%
2.85% comp rate*

2.69% (up to 80%)
2.88% comp rate*

2 Year Fixed-

90%

2.45%
2.83% comp rate*

2.85% (up to 80%)
2.89% comp rate*

3 Year Fixed-

90%

2.59%
2.83% comp rate*

2.99% (up to 80%)
2.92% comp rate*

Max LVR

90%

Principal & Interest rate p.a.

2.29%
2.85% comp rate*

Interest only rate p.a.

2.69% (up to 80%)
2.88% comp rate*

Max LVR

90%

Principal & Interest rate p.a.

2.45%
2.83% comp rate*

Interest only rate p.a.

2.85% (up to 80%)
2.89% comp rate*

Max LVR

90%

Principal & Interest rate p.a.

2.59%
2.83% comp rate*

Interest only rate p.a.

2.99% (up to 80%)
2.92% comp rate*

Calculate your home loan repayments.



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Our process

At loans.com.au, we make borrowing simple. We’re here to help you from application through to settlement.

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Apply online

Fill out our online application or talk to one of our Australian-based lending specialists to do the hard work for you.

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Goodbye paperwork!

Log in to onTrack app and easily upload the required documents. Plus, you can track your application through to approval.

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Settle & save

Our innovative online process gets you to settlement quickly, so you can start saving thousands sooner.

$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

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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!

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Hassle-free

In less than a minute, find out if you pre-qualify for a home loan and apply online.

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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

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.

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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.

See all our awards

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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

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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.