Our Milestones
Laying the foundation: The early years of smart loan innovation
2011
It all began with a domain name and a bold idea. In 2011, we launched loans.com.au and went live with a standout home loan rate that quickly caught attention. Even the Australian Financial Review wrote about us.
We still remember being in the office late on a Friday night, watching home loan applications roll in after hours, at a time when banks were closed and applying online was just beginning to take off.
2012
Recognition came early. In our first year, we received awards from Your Money Magazine, Canstar, Mozo and more for our competitive and innovative home loan products. This momentum continued for years to come.
2016
We expanded into car loans, giving Australians access to low-rate finance to help them get behind the wheel faster.
We also launched our onTrack app. This end-to-end digital loan application tool allowed customers to upload documents and track their loan progress from application to settlement, all from their device.
Progress with purpose: Advancing loans, communities, and sustainability
2018
Our parent company Firstmac's sponsorship of the Brisbane Broncos extended to loans.com.au. That same year, we successfully campaigned for Queensland legend Allan “Alfie” Langer to be honoured with a statue at Suncorp Stadium.
We launched our Green Car Loan discount, rewarding customers who chose more energy-efficient vehicles, and released our Smart Money app to help manage loans easily on the go.
2020
In July 2020, we made history as Australia’s first lender to offer a home loan rate below 2%, setting a new benchmark for affordability.
2021
To celebrate 10 years in business, we launched the Women, Children & Community Program, deepening our involvement with charity partners and local causes.
It was also a big year for innovation. We launched our SMSF home loan, introduced our Green Home Loan discount to support energy-efficient homes, and established our sister company OnlineAuto.com.au, a car buying service designed to simplify vehicle purchases.
2022
We rolled out some new products to give our customers more choice, including Australia’s first variable rate car loan, Solar Home Loan, and a dedicated Electric Vehicle Loan discount to make it easier to go green on the road.
We deepened our involvement in the community and became the first-ever Charity Partner of the Brisbane Broncos, and kicked off our support for the Broncos NRL Women’s team.
Leading change: Expanding access, earning recognition
2023
This was a year of growth across our range of products. The brand continues to win over customers and awards. We launched our Expat Loan, designed to help Australians and Kiwis living overseas buy property back home, ready for their return.
We also introduced a Solar Construction Loan, making it easier for customers to build energy-efficient homes with solar already in the plans.
As more people turned to us for SMSF loans, we expanded our offering with new 2- and 3-year fixed rate options, giving customers more choice and flexibility.
2024
We launched our Caravan Loan to help customers hit the road on their next adventure, and introduced a Bridging Loan to make buying a new home easier while selling the old one.
To support existing customers who are growing their property portfolios, we launched an Investor Package. As an extension of our fixed rate offering, we introduced a 3-year special rate for those looking to lock in a competitive option.
2025
This year, the launch of our new SMSF Commercial Property Loans enabled business owners to buy their own premises through their super fund. We're so proud to be continuously recognised by Canstar, WeMoney and Mozo for offering true value to our customers.
Our Purpose
loans.com.au is more than just an online lender. We understand that nobody really wants a loan, rather, they want a home to live in, a new car to drive, their next investment property or to save thousands on an existing loan.
We put people at the heart of everything we do, and that doesn't stop at supporting customers with their home and car finance. We also do our best to support our local community through our Women, Children & Community Program. We participate in a number of ways, whether it be financial support, employer-supported volunteering, donating items or raising awareness for local charitable causes. We support a number of causes which benefits the Women, Children and wider Community throughout Australia.
We're also extremely passionate about implementing green values within our business and in our product offering. We're proud to reward customers who choose more environmentally friendly options for their home and car with a Green Home Loan Discount, a Green Car Loan Discount and an Electric Vehicle Discount. Plus, our office is paperless, with over 600 staff working to reduce our waste consumption by processing all home loans and completing our day-to-day tasks online, without using any paper.
As a leader in the fintech space, our Managing Director Marie Mortimer is extremely passionate about developing the fintech industry in Australia, and is a Board Member of FinTech Australia and FinTech QLD. Marie is also a Director of community housing not-for-profit, Mangrove Housing, which provides affordable housing solutions for over 2000 at risk people in Queensland, leading by example in the community.
To read more about the loans.com.au Women, Children & Community Program:
Learn more
Award-Winning Value, Year after Year
At loans.com.au, Australia’s Home of Loans, we're proud to be consistently recognised for our commitment to delivering outstanding home and car loans with our award-winning rates, innovative lending solutions, and exceptional customer service.
Over the years, we've earned accolades from Canstar, Mozo, Ratecity and WeMoney, reflecting our dedication to providing value to our customers.
Trusted by Thousands of Australians
We've helped thousands of happy customers across the country secure their dream home, drive away in a new car, or simply save more on their loan.
Customer feedback is incredibly important to us — we listen closely and use it to continually improve our service. Below, you’ll find genuine reviews from real customers. We hope their experiences help guide you on your own journey to finding the right loan.
Hamish