At loans.com.au, we help people into their dream homes and cars.
What do we do?
Low rate loans for your new home, first home, investment properties, building a home or even for major renovations.
Fixed car loan rates for your new car, we can also help with refinancing your car loan and even offer a Green discount if it's hybrid or electric!
We have a seamless and fast refinance process so you can stop paying too much on your home loan and start saving thousands.
Assigned lending specialist
At every step of the way, you’ll talk to a real person. You’ll be assigned one dedicated lending specialist and support specialist so you don’t have to answer the same questions over and over again.
Quick & easy-to-use app
Track your loan status from application to settlement. If you get stuck, you can call us, send us a message on our website or even chat to us on Facebook, and we can help out as much or as little as you like.
We put people at the heart of everything we do, and beyond supporting our customers, we’re involved in our local community through our Women, Children & Community Program.
What makes us different?
As one of Australia’s first online lenders, we’ve been leading the industry for more than 10 years, and a big part of that comes from listening to our customer feedback. 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.
We’re efficient. For the last 10 years, we’ve won awards each year 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.
We're recognised & awarded by the Australian financial industry. View all awards
Who are our people?
We understand that nobody really wants a loan, rather, you want a home to live in, a new car to drive, an investment property or to save thousands on an existing loan.
We have a friendly and experienced team of lending specialists & support specialists who are here to help you do just that.All of our staff are fully trained in their obligations under the laws of the National Consumer Credit Protection Act. We understand that everyone’s situation is different, so our team is dedicated to making sure the loan you choose is the right one for your situation.
Many of our staff who started with us in 2011 when loans.com.au launched are still here today. We offer rewarding career opportunities, and we love to see our staff grow and develop. If you'd like to join the loans.com.au team, email us at email@example.com.
Ethics & values
Our statement of ethics
We aim to ensure that our business has a positive impact on the broader community, helping our customers to achieve financial security and a sense of place through home ownership.
We take a long-term view, measuring success by the strength of our relationships with business partners and customers, not through short-term financial metrics.We are committed in our daily operations to the principles of environmental sustainability, equal employment opportunity, and giving back to the community.
loans.com.au Women, Children & Community Program
We put people at the heart of everything we do, and that doesn’t stop at supporting customers with their loans. We are actively involved in our local community through our Women, Children & Community Program.
We are extremely passionate about diversity and empowering women to succeed, whether it be improving their financial literacy and understanding finances in the home, or navigating their career success.
We support many organisations who dedicate their mission to assist children in need, including children with rare diseases and those in the foster system, and also local sporting organisations..
Annually, staff can opt to take one paid volunteer day per year to support local charities. We also get involved in quarterly initiatives supporting local causes.
Click below to learn more about our Women, Children & Community Program.
Frequently asked questions
Just because a lot of our money comes from the banks, that doesn’t mean we are a broker for the banks. When you take out a loan with us you are borrowing from us, not them, and you will deal directly with our friendly Customer Care team for the life of your loan.
At loans.com.au we try to keep our rates as low as possible for all our customers. However, we still have to change our variable rates in response to changes in our funding costs. In a falling interest rate environment we don’t hesitate to cut rates for existing customers. For instance, between November 2011 and March 2020 we cut rates for existing customers in our largest loan category – owner occupiers with Principal & Interest loans - 15 times, and only raised them 4 times. They joined on a great rate and found themselves on an even lower rate!
We make sure our rates for existing customers are always highly competitive compared to other lenders, but if you want to fully protect yourself against potential rises, we also offer competitive fixed-rate loans that will lock in your repayments for up to 3 years.
Our associate company Firstmac issues securities, called Residential Mortgage Backed Securities (RMBS), to Australian and international institutions and investors. The Australian major banks are large investors in our RMBS which reflects the confidence of major investors in our business. Since 2003, Firstmac has issued over $32 billion in RMBS.
We are backed by the financial strength Firstmac, a leading non-bank lender which has been in business for over four decades. You can be secure in the knowledge that we are regulated by the Australian government (ASIC/NCCP).
loans.com.au is financially strong, conservatively managed, and regulated by the Australian government.
Our operations are covered by the National Consumer Credit Protection Act which is enforced by the consumer watchdog, the Australian Securities and Investments Commission.
All of our staff are fully trained in their obligations under these laws and dedicated to ensuring that the product you select meets your requirements and objectives.
We are solid, but don’t just take our word for it. International ratings agency Standard & Poor's awards our associate company Firstmac its highest possible ranking for loan serviceability – STRONG. "Firstmac continues to demonstrate strong servicing quality," Standard & Poor's said. According to Standard & Poor's, Firstmac's key strengths include:
- A well-established position as an experienced primary servicer of prime residential mortgages
- A comprehensive corporate governance and risk-management framework
- A well-designed internal-controls framework and internal audit program, supported by structured annual audit plans;
- Solid loan-processing and servicing infrastructure
- A robust training and development program