close-icon
close icon
search icon Apply phone 13 10 90
 

Find the right home loan for you

Buying a new home is an exciting time - whether it’s buying your first home, an investment property, upsizing to start a family or downsizing because your kids have fled the nest. We’re here to help you get the finance sorted so you can focus on finding the perfect home for you.

Whether you’re buying a new unit, an established property, building a new home or even refinancing, we’re here to assist with some of the lowest rates in market. We’ll even offer a ‘green’ discount if your home is built to an environmentally friendly and certified standard! Read on to find out why Aussies have trusted us for the last 10 years with their home loan.

qualify-icon

Am I eligible for a home loan?

Find out in under 2 minutes if you qualify for one of our low rate home loans.

borrow-icon

How much can I borrow?

Calculate your borrowing capacity in no time and see how much you can afford to borrow.

Whatever stage of the home loan journey you're at, we can help

...

I’m buying my next home

We can approve your application quickly to help you get the keys to your next home as soon as possible, and with our low rates, it's possible for you to own your home sooner.

...

I’m refinancing

At loans.com.au, we make it easy for you to start saving thousands on your home loan repayments, as soon as possible. You don’t even have to contact your old lender - we can do the hard work for you.

...

I’m investing

If you're buying an investment property, building an investment property or refinancing your investment loan, we make the home loan process simple, quick and hassle free, with great low rate investment loans.

...

I’m buying my first home

The friendly lending specialists at loans.com.au are here to help you as much as you need when buying your first home. We can walk you through all your options to find the right loan for you, and we have a number of handy guides and videos available to help with the process.

...

I’m building a home

When you're building or doing major renovations, you have a lot on your mind. We can help take the stress out the finance with low rates and an easy online application so you can focus on the build.

We're recognised & awarded by the Australian financial industry. View all awards

 image
Smart Booster Home Loan
  • 3.60%
    discount var rate p.a.~
  • 3.96%
    comparison rate p.a.*
SPECIAL OFFER

Get our lowest rate ever with the option to add an offset sub-account.

 image
Smart Booster Investor Bundle
  • 3.74%
    discount var rate p.a.+
  • 4.46%
    comparison rate p.a.*
SPECIAL OFFER

Bundle your home loan and investment.

Save thousands when you bundle your investment loan and home loan with loans.com.au, with rates starting at 3.74%+ for both.

Our owner occupied variable rates

Product Name

LVR

Principal & Interest rate p.a

Interest only rate p.a

Smart Booster Home Loan
Discount Variable - 2 year~
LVR

Up to 80%

Principal & Interest rate p.a

3.60% pa

3.96% pa comp rate*

Interest rate only

-

-

Smart Home Loan**
LVR

Up to 80%

Principal & Interest rate p.a

4.23% pa

4.25% pa comp rate*

Interest rate only

4.54% pa

4.56% pa comp rate*

 
LVR

Up to 90%

Principal & Interest rate p.a

4.54% pa

4.56% pa comp rate*

Interest rate only

-

-

ZIP Home Loan
LVR

Up to 80%

Principal & Interest rate p.a

4.48% pa

4.50% pa comp rate*

Interest rate only

-

-

Our investor variable rates

Product Name

LVR

Principal & Interest rate p.a

Interest only rate p.a

Smart Booster Investor Bundle
Discount Variable - 1 year+
LVR

Up to 80%

Principal & Interest rate p.a

3.74% pa

4.46% pa comp rate*

Interest rate only

3.74% pa

4.46% comp rate*

Smart Investor^^
LVR

Up to 80%

Principal & Interest rate p.a

4.49% pa

4.51% pa comp rate*

Interest rate only

4.74%

4.76% comp rate*

 
LVR

Up to 90%

Principal & Interest rate p.a

4.74% pa

4.76% pa comp rate*

Interest rate only

4.94%

4.96% comp rate*

Why choose loans.com.au?

loans.com.au is an award-winning online lender that is proudly Australian and based in the heart of Brisbane, with offices in other capital cities.

super-low-interest-rates-icon

Low interest rates

We can offer extremely low rates because our online model is so efficient. Fewer overheads mean doing business costs less and those savings translate directly into lower interest rates and fees for our customers.

experienced-brisbane-based-loan-specialists-icon

Australian based support team

We have an experienced, Australian based team. At every step of the way, you’ll talk to a real person from our friendly team of lending specialists who are here to help you.

flexible-home-loans-icon

Flexible options

We offer great low rates on our fixed, variable and split home loans. We also offer discounts for large deposits or customers with owner occupied and investment properties. We even offer a green home loan discount if your home is energy efficient!

super-low-interest-rates-icon

Award winning

By keeping our interest rates low and revolutionising the loan application process, we keep on winning awards for our products, innovations and customer service, year after year!

experienced-brisbane-based-loan-specialists-icon

Hassle free

For both our home and car loans, you can find out if you pre-qualify in just minutes. The application process is simple, online, plus we’re here to help at each step of the way.

flexible-home-loans-icon

onTrack advantage

onTrack is our online app which allows you to complete your home loan application on your device from initial contact through to settlement and beyond. In onTrack you can complete your loan application in your own time, as it suits you.

Read some of our real good feedback.

Our Google Rating

4.7

| 392 reviews

Kristy D.

July 26, 2022

Steve S.

July 06, 2022

Home loan repayment calculator

Use our home loan calculator to estimate what your monthly mortgage repayments could be. Whether you're refinancing or just wanting to understand how much you can afford, all you have to do is enter how the amount you would like to borrow, interest rate, home loan term, payment frequency, and repayment type (either principal & interest or interest-only).

%
years
years
Estimated savings from repayments graph

Your estimated repayments are

$85.40
$20,000
$10,746

Calculator assumptions

Our process

loans.com.au makes it easy to finance your home or investment property, so you can start saving thousands sooner. Here’s how:

Apply Online Apply Online

Application

Simply fill out your application online by entering some of your details, or chat to one of our friendly lending specialists over the phone and they can complete your application for you.

What you do

Complete a quick pre-qualification online to see if you qualify or book an appointment at a time that suits you to speak with a home loan specialist.

What we do

Contact you at a time that works for you to discuss the information you provided or complete your application for you.

onTrack

After your application is complete, use our system we call onTrack on your desktop or device to add your documentation such as payslips and bank statements, and track the progress of your application.

What you do

Log into onTrack
Upload supporting documents

What we do

Verify your information

Settlement

Your loan will settle and you'll start saving with your new low rate, and get your keys to your new dream home!

What you do

Get the keys to your new home
Start saving!

What we do

Once settlement is complete, we'll send you login credentials to Smart Money

Apply Online

Common home loan questions

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.
You can get your dream home at a great 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.
To apply for any of our loans, visit: https://www.loans.com.au/apply or call 13 10 90 and one of our lending specialists can help, or even complete the application for you.
Yes, we do offer the option to add an offset sub-account to our variable products at an additional cost. For more information on this, please call one of our lending specialists on 13 10 90.
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.
We charge a $300 settlement fee plus a valuation fee. The valuation fee for a standard property in a metropolitan area in a major city starts at $220 for properties valued up to $1 million. The valuation fee is not refundable and is payable when the valuation is ordered.
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 sure do! Introduce someone to loans.com.au and we'll give you a $450 bonus when they settle their loan with us! They will also get $150 off their settlement fee.

Once your loan application has been submitted, you will be given access to our online portal onTrack. In onTrack, we will collect some more information from you and you can track your application. When your loan settles, you will be given your referral code in onTrack.

You can refer as many people as you like!

How it works

Here’s the step-by-step process on how you can get a home loan to buy your dream home or investment property.

 
Home Loans - Purchase
1:27

Are you ready to pay your loan off sooner and own your own home? Here’s how you can.

 
Home Loans - Refinance
1:27

Wanting to build your own property or make extensive renovations? We’re here to help, so here’s how it works.

 
Home Loans - Build
1:51

Guide on buying your first home

Most people have questions as they start on the home buying journey, so we have pulled together some articles to help you. From information on our easy steps to apply for a home loan, to advice on pre-approvals and buying a home, you can find it here..

Related articles

First home buyer

Follow our handy home loan documentation checklist to speed up your loan application process.

First home buyer

What is a pre-approved home loan? Pre-approval means different things depending on which lender you approach, but they all describe something similar. Whether it is called conditional approval, indicative approval or approval in principle, pre-approval confirms that your application fits your chosen lender’s criteria but remains subject to conditions. It is not a guarantee of finance.

First home buyer

Dipping into your superannuation nest egg to buy a property is an investment strategy becoming more prevalent amongst generations of Australians today. Here we’ll look at how to utilise superannuation to purchase an investment property.

First home buyer

Whether you’re an owner occupier or an investor, property ownership comes with a few benefits at tax time. Here are six things you need to consider coming into tax time if you have a home loan.

First home buyer

The interest rate cut is big news in Australia because the cash rate is one factor when lenders set their variable mortgage rates. An official interest rate decrease usually means lower interest rates for borrowers.

First home buyer

A mortgage is typically the biggest monthly expense a household can have. If you get into financial trouble or rack up too much debt, you may experience mortgage stress.

First home buyer

One way to ensure that you can keep paying your loan off and retain ownership of your home is through Mortgage Protection Insurance (MPI).

First home buyer

Even after using mortgage calculators and other tools to help you secure the best home loan rate, chances are that buying a house is going to be the largest investments you'll ever make.

First home buyer

It’s a common misconception you can only buy a home if you have a 20% deposit. These days, you can get a home loan with as little as a 5% deposit! While this may sound like a no-brainer in theory, it may cost you more in the long run.

First home buyer

It is exactly these conditions that often present the best opportunity. That means now may be the time to get prepared to take advantage of the opportunities that the market will offer

First home buyer

There's been a decline in rental vacancies across the national capitals, bringing good news for anyone with landlord insurance in these locations.

First home buyer

Are you looking for a home loan to finance your home purchase? Make sure that you ask these questions before applying for a mortgage.

First home buyer

Non-bank lenders are snagging a bigger portion of the mortgage market, as more Aussies turn away from the big banks. According to mortgage aggregator FAST, the major banks conceded market share to non-bank, neobank and fintech challengers in 2019.

First home buyer

As we say goodbye to 2021 and welcome in a fresh new year, now could be a great time to asses your goals for the year.

First home buyer

Lots of expensive bills can decimate your hard-earned income. So we’ve outlined ways you can save money on bills and leave you with more cash in your back pocket.

First home buyer

The silly season is right around the corner and thanks to the dumpster fire that has been 2020, many of us will be tightening our purse strings a little more this year.

First home buyer

Taking out a mortgage is a huge financial responsibility. You want to make sure from the outset that you can afford to repay your loan.

First home buyer

Go back ten years and most Australians couldn't have imagined paying for anything with a tap of their phone. Fast forward a decade, and you can even use your smartphone to apply for a home loan.

First home buyer

Australians spend a fair bit on rent. According to the September 2019 Domain Rental Report, the median property across the eight capital cities costs more than $400 per week.

First home buyer

I’ve recently talked about the true costs of purchasing a property, so I think it’s important to discuss other fees that a lender can impose so that you’re aware of these when choosing a home loan.

First home buyer

You want to hire the best so you can get the most money for your property. But how will you know if you’re getting the ideal real estate agent to sell your property?

First home buyer

Whether you’re buying or selling a property, subdividing land, updating a property title, or registering an easement, finding a good conveyancer to assist you with the process will ensure a correct, and hassle-free procedure.

First home buyer

When applying for a home loan, simply having cash isn't always enough. Often, you'll need 'genuine savings' to show a lender. Learn more about genuine savings here.

First home buyer

While you may be repaying your home loan relatively easily right now, anything can happen, you may find yourself in a situation where you wish you had a home loan buffer to fall back on.

First home buyer

Home loan borrowers vary greatly in where they're at in life and personal circumstances. To help you choose the right home loan for your lifestyle, read this explainer.

First home buyer

Selling your property can be an arduous task with a lot of preparation needed. Here is a checklist to make the process easier and less stressful.

First home buyer

One lender for two home loans? Sounds interesting, and it’s entirely possible, and there are quite a few benefits in doing so.

First home buyer

The initial phases of the process may be a little daunting, but opening the doors of your dream home knowing your finances are completely sorted is a great reason to celebrate.

First home buyer

You can protect your home by insuring it, including the contents. If you’re not familiar with Home and Contents Insurance, here’s a quick guide to help you get started. 

First home buyer

What are non-bank lenders, and how are they different from a bank? And more importantly, why should you choose one?

First home buyer

If the word ‘debt’ makes you nervous, it’s probably time to start thinking more seriously about getting on top of your finances.

First home buyer

Submitting your tax return may feel like a chore, but for most of us, it comes with the sweet reward of an instant injection of cash into our bank accounts.

First home buyer

Spring selling season is typically the busiest time of year for the real estate market but this year could be very different thanks to COVID-19.

First home buyer

A home loan can be a huge responsibility to take on, especially for first home buyers. Here are ten questions you should be asking your lender prior to taking out the loan.

First home buyer

With so many different home loan options, it can be overwhelming trying to pick the right one that’ll suit your needs, here is an easy list that goes through all the loan choices you have at your fingertips.

First home buyer

This guide will help break down what to check before signing a contract of sale.

First home buyer

The size of your deposit is one of the most important factors affecting your home loan interest rate and the amount you can borrow.

First home buyer

If you're applying for a home loan, it's important to understand how home loan interest works and how interest is calculated on a mortgage loan. Learn more.

First home buyer

It is very important to understand mortgage before choosing the home loan that is right for you. Here you can find out how mortgage works.

First home buyer

We’ve listed the pros and cons of variable vs fixed to help you find the product suited to your needs.

First home buyer

If you’ve ever wondered what a conveyancer does, and more importantly, how much they cost, you’re in luck as this article will go through the most commonly asked questions when it comes to conveyancing.

First home buyer

Let’s discuss what’s happening to interest rates right now, when they will rise, and how this may impact you.

First home buyer

If you have found a property and are ready to buy, you need to get your finances approved by a lender.

First home buyer

Whether your credit score recently took a hit, or you just want to have the best credit rating possible - there are things you can do that should build your credit score over time.

First home buyer

When searching for a property you may have seen the terms “Strata” or “Torrens title.” It’s important to understand the difference between these two terms.

First home buyer

From paying rent, purchasing a car, home or even taking a holiday, credit forms a big part of our everyday and financial lives. However, when it comes to giving you credit, companies need to make sure you’re in good financial shape and you won’t struggle to repay them.

First home buyer

Solicitors and conveyancers can both do conveyancing work, but what’s the difference between these two professions? Find out here.

First home buyer

Thinking about buying an apartment but not sure whether it’s the right move? Find out the pros and cons of buying an apartment.

First home buyer

For most people, their home loan is their biggest debt and for that reason, there is a strong urge to pay it off faster.

First home buyer

To keep you on a balance between debt elimination and getting into the habit of saving, here are simple strategies to apply on your financial goals.

First home buyer

The comparison rate is one of the most important numbers to understand when you compare home loan rates because it helps to explain the true cost of a loan.

First home buyer

Generally speaking, for a basic scenario where the clients have prepared their supporting documents, a home loan approval can be sought in as little as 3 to 5 business days.

First home buyer

Home loan requirements can vary from lender to lender, but you can generally bet that they’ll need some key information: your personal details, details about the property, how much you need to borrow and your financial situation.

First home buyer

It’s possible to rent out a house straight after buying it, you’ll just need to pick the right type of home loan.

First home buyer

To bank or not to bank? That is the question. When shopping for a home loan, it’s important to consider all lenders and financial institutions.

First home buyer

The main question on your mind might be whether or not Afterpay is hurting your credit score and, therefore, your chances of securing mortgage approval. Let's find out.

First home buyer

When the global financial crisis took hold a few years ago, there was a huge amount of fallout that affected the big banks as well as the man in the street.

First home buyer

Many people turn to a HECS-HELP debt to get them through university but when it comes time to apply for a home loan, having a HECS debt can have an affect to your application. Find out how.

First home buyer

A low interest rate is the most common feature borrowers look for when comparing home loans. However, there are lots of other features that also affect how much you pay for your home loan.

First home buyer

In case you missed it, we’ve launched a new Green Home Loan which rewards borrowers for making their homes more energy efficient with a discounted rate.

First home buyer

If you’re applying for a home loan you might be wondering whether your existing car loan will affect your application. Find out the answer here.

First home buyer

What’s the difference between an owner-occupied home loan vs investment loan? If you’re considering taking out an investment loan for a second property, start here.

First home buyer

Australia is moving to a new system of Comprehensive Credit Reporting (CCR) which will give lenders a clearer picture of each applicant’s finances. To find out what CCR means for you, please see our overview below.

First home buyer

Equity is an important asset for every homeowner as it can be beneficial in many ways. You may be able to use your equity to improve your lifestyle.

First home buyer

When you buy a home, it can be helpful to understand the property settlement process - This way, you can understand the whole sale process and know what to expect.

First home buyer

Find out how to invest in property through self-managed super funds and what the rules are with loans.com.au

First home buyer

While not everyone can afford to enter the housing market, there are those who have a choice: Do I continue to rent, or do I buy a property of my own?

First home buyer

There are a number of strategies you can choose from to repay your home loan debt. The key components of loan repayments are the principal and the interest. Find out more about what is principal & interest home loan?

First home buyer

Buying a house is the biggest purchase you’re ever likely to make. Here are our top negotiation tips to get the house you want for less.

First home buyer

How does the home loan approval process work? To get an idea, here’s our step-by-step guide to help walk you through it.

First home buyer

You might assume the home loan is the only cost to buying a property. But after you’ve found your house and your home loan approved there are still upfront costs to consider.

First home buyer

The interest rate isn’t the only thing you should consider when looking for a home loan. Here are some home loan features you should know about.

First home buyer

One way many homeowners prepare themselves financially for the future is by building up equity in their properties. Follow these strategies to prepare for your financial future.

First home buyer

Home loan pre-approval provides lenders the ability to navigate your credit profile to know whether your profile matches their criteria for lending. Find out here how does getting pre approved affect your credit score.

First home buyer

To buy a property you will need to pay a variety of fees and charges. One of the biggest upfront costs of a home loan is stamp duty. Here are some things you should know about it

First home buyer

Saving for a 20% house deposit is one of the biggest hurdles to getting into the property market. Here's how to start saving for a home loan.

First home buyer

If you’re looking at buying a property, you might want to consider using a suburb report. We’re here to explain what suburb report is and how can you use them to your advantage.

First home buyer

Find out how long pre-approval lasts and how you can find your new home with confidence with loans.com.au

First home buyer

In most states and territories in Australia, property buyers are allowed to rescind their purchase contract. This can be done by taking advantage of the “cooling-off period.”

First home buyer

Serviceability is one of the key factors that a lender will consider when you apply for a loan or for a home loan pre-approval.

First home buyer

It can be challenging trying to get a home loan when you're self-employed - but it's not impossible. Find out how you can qualify for a home loan with your circumstances.

First home buyer

Doing a home loan health check annually or even just every few years could save you tens of thousands - or even hundreds of thousands - on the total cost of your mortgage.

First home buyer

We’ll compare applying for a home loan through an online broker vs an online lender to help you figure out which option is the best one for you.

First home buyer

The term LVR is frequently mentioned when looking for a home loan, but what does it actually mean?

First home buyer

Here we’ll offer some more detailed information about capital gains tax if you decide to sell your investment property in the future.

First home buyer

Today, non-bank lenders offer a legitimate alternative to traditional banks and have created a competitive environment to the advantage of borrowers who have realised the benefits of shopping around.

First home buyer

If you're thinking about taking the plunge into home ownership, here's what you need to know about how to apply for a home loan.

First home buyer

Interest-only home loans allow you to only pay the interest on the balance you have borrowed for a specific period. Find out more on how do interest-only loans work.

First home buyer

If you’re thinking about buying or selling, a property report is an invaluable tool that could help you make a more informed decision.

First home buyer

Did you know that when you take out a mortgage, you can choose how often you wish to make repayments on your loan?

First home buyer

Townhouses can be an affordable option for buyers who want the benefits of a house but don’t want to live in an apartment.

First home buyer

Thinking of refinancing your SMSF loan? At loans.com.au we make the process simple and easy. Find out how to get approved today.

First home buyer

Making an offer on a house is the first step to getting the ball rolling in the home buying process, and doing it right can help you succeed in doing so. If you’ve found your dream home and are ready to buy, here’s a few tips on putting an offer down.

First home buyer

If you're thinking about how to finance a second property, did you know you can unlock your existing home equity to do so?

First home buyer

A bridging loan, or bridging finance, is a short-term loan that can help you finance the purchase of a new property while you enter the market to sell your current property. Find out more here.

First home buyer

Whether you’re buying a property, building a house or renovating your property, easements and boundary lines could potentially throw a spanner in the works of your plans.

First home buyer

When it comes to purchasing a property, it’s important to discuss the fees that a lender can impose so that you’re aware of these when narrowing down your home loan options.

First home buyer

If you’re interested in learning and improving your skills and knowledge when it comes to your finances, these seven finance podcasts can help you learn more and stay up to date with the financial news today.

First home buyer

With the technology we have today, traditional banks, credit unions and building societies are not your only choice for mortgages. You also have the option to go with non-bank lenders or online lenders such as loans.com.au for your home loan

First home buyer

When you apply for a mortgage, your lender will assess your ability to service the loan - ie. can you afford to pay the loan back? Here’s what you need to know about credit card debt and your mortgage application.

First home buyer

We’ve recently launched our Smart Booster Home Loan, Australia’s first-ever variable owner occupied home loan with a rate under 2.00% p.a. So what’s the best way to take advantage of a special rate loan like these?

Ready to get started?

Apply now