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We have low rate home loans to help make buying your first or next home affordable, and speedy processing times so you can get the keys in no time. Or, if you're refinancing, we have a simple refinancing process so you can start saving on your home loan repayments, sooner.
Principal & interest
Interest Only
Product Name
Interest rate p.a.
Comparison rate p.a.*
Interest rate p.a.
Comparison rate p.a.*
Features
Smart Booster Home Loan
Discount Variable - 2 year
MOST POPULAR
1.85%
2.21%
-
-
Looking for a home loan under 2%? Look no further. The Smart Booster will help you boost your equity and own your own home sooner.
- Option to add an offset sub-account for +0.10%^
- No monthly or ongoing fees
- Unlimited redraws
- Visa debit card
- Redraw facility
- Available to split
- Additional repayments
- Up to 80% LVR
- $1M max loan amount
Smart Booster Home Loan
Discount Variable - 1 year
1.99%
2.47%
-
-
Looking for a home loan under 2%? Look no further. The Smart Booster will help you boost your equity and own your own home sooner.
- Option to add an offset sub-account for +0.10%^
- No monthly or ongoing fees
- Unlimited redraws
- Visa debit card
- Redraw facility
- Available to split
- Additional repayments
- Up to 80% LVR
- $1M max loan amount
2.08%
2.36%
-
-
Get rewarded with a discount to your home loan rate when you go green for your new home.
- Low rate home loan with added benefits
- Save thousands & make an environmentally conscious choice on your loan for homes less than 12 months old
- Get a 7.0 star NatHERS rating or higher for up to 1.59% discount*** on your variable rate home loan
- Visa debit card
- Redraw facility
- Available to split
- Additional repayments
- Up to 90% LVR
- $2M max loan amount
Smart Home Loan
80% LVR
2.48%
2.50%
2.79%
2.81%
The Smart Home Loan is our low rate loan that could save you thousands on your dream home.
- Option to add an offset sub-account for +0.10%^
- No monthly or ongoing fees
- Unlimited redraws
- Visa debit card
- Redraw facility
- Available to split
- Additional repayments
- Up to 80% LVR
- $2M max loan amount
Smart Home Loan
90% LVR
2.79%
2.81%
-
-
The Smart Home Loan is our low rate loan that could save you thousands on your dream home.
- Option to add an offset sub-account for +0.10%^
- No monthly or ongoing fees
- Unlimited redraws
- Visa debit card
- Redraw facility
- Available to split
- Additional repayments
- Up to 90% LVR
- $1M max loan amount
2.73%
2.75%
-
-
Great low rate home loan with interest free $5,000 Visa debit card.
- $5000 Visa debit card, 0% interest
- No monthly or ongoing fees
- Unlimited additional repayments
- Visa debit card
- Redraw facility
- Schedule recurring transfers
- Additional repayments
- Up to 80% LVR
- $2M max loan amount
2.44%
2.60%
2.84%
(up to 80%)
2.63%
Lock in a low rate for your peace of mind
- 1 year fixed term
- No monthly or ongoing fees
- Option to split with low variable rate
- Schedule recurring transfers
- Additional repayments (Up to $10,000 extra repayment per year)
- Up to 90% LVR
- $1M max loan amount
2.99%
2.67%
3.39%
(up to 80%)
2.73%
Lock in a low rate for your peace of mind
- 2 year fixed term
- No monthly or ongoing fees
- Option to split with low variable rate
- Schedule recurring transfers
- Additional repayments (Up to $10,000 extra repayment per year)
- Up to 90% LVR
- $1M max loan amount
3.24%
2.75%
3.64%
(up to 80%)
2.84%
Lock in a low rate for your peace of mind
- 3 year fixed term
- No monthly or ongoing fees
- Option to split with low variable rate
- Schedule recurring transfers
- Additional repayments (Up to $10,000 extra repayment per year)
- Up to 90% LVR
- $1M max loan amount
Principal & interest
Interest Only
Interest rate p.a.
Comparison rate p.a.*
Interest rate p.a.
Comparison rate p.a.*
1.85%
2.21%
-
-
Principal & interest
Interest Only
Interest rate p.a.
Comparison rate p.a.*
Interest rate p.a.
Comparison rate p.a.*
1.99%
2.47%
-
-
Principal & interest
Interest Only
Interest rate p.a.
Comparison rate p.a.*
Interest rate p.a.
Comparison rate p.a.*
2.08%
2.36%
-
-
Principal & interest
Interest Only
Interest rate p.a.
Comparison rate p.a.*
Interest rate p.a.
Comparison rate p.a.*
2.48%
2.50%
2.79%
2.81%
Principal & interest
Interest Only
Interest rate p.a.
Comparison rate p.a.*
Interest rate p.a.
Comparison rate p.a.*
2.79%
2.81%
-
-
Principal & interest
Interest Only
Interest rate p.a.
Comparison rate p.a.*
Interest rate p.a.
Comparison rate p.a.*
2.73%
2.75%
-
-
Principal & interest
Interest Only
Interest rate p.a.
Comparison rate p.a.*
Interest rate p.a.
Comparison rate p.a.*
2.44%
2.60%
2.84%
(up to 80%)
2.63%
Principal & interest
Interest Only
Interest rate p.a.
Comparison rate p.a.*
Interest rate p.a.
Comparison rate p.a.*
2.99%
2.67%
3.39%
(up to 80%)
2.73%
Principal & interest
Interest Only
Interest rate p.a.
Comparison rate p.a.*
Interest rate p.a.
Comparison rate p.a.*
3.24%
2.75%
3.64%
(up to 80%)
2.84%
Investor rates
Our low investment loan rates make it simple for you to buy your investment property or start saving on your investment loan repayments, as soon as possible.
If you have an owner occupied loan and an investment loan, you can get a discount on both when you choose loans.com.au.
Principal & interest
Interest Only
Product Name
Interest rate p.a.
Comparison rate p.a.*
Interest rate p.a.
Comparison rate p.a.*
Features
Smart Booster Investor Bundle
Discount Variable - 1 year
MOST POPULAR
1.99%
2.71%
1.99%
2.71%
Bundle your home loan with your investment loan to start saving thousands, with the loans.com.au Smart Booster Investor Bundle with both owner occupied and investment loans starting with a 1.
- Option to add an offset sub-account for +0.10%^
- No monthly or ongoing fees
- Unlimited redraws
- Visa debit card
- Redraw facility
- Available to split
- Additional repayments
- Up to 80% LVR
- $1M max loan amount
2.34%
2.63%
2.59%
2.88%
Looking for a home loan under 2%? Look no further. The Smart Booster will help you boost your equity and own your own home sooner.
- Get rewarded with a discount to your investment loan rate when you go green for your new investment property.
- Save thousands & make an environmentally conscious choice on your loan for homes less than 12 months old
- Get a 7.0 star NatHERS rating or higher for up to 1.59% discount*** on your investment loan
- Visa debit card
- Redraw facility
- Available to split
- Additional repayments
- Up to 90% LVR
- $2M max loan amount
Smart Investor
80% LVR
2.74%
2.76%
2.99%
3.01%
The Smart Investor Home Loan could help you save you thousands and build your wealth.
- Option to add an offset sub-account for +0.10%^
- No monthly or ongoing fees
- Unlimited redraws
- Visa debit card
- Redraw facility
- Available to split
- Additional repayments
- Up to 80% LVR
- $2M max loan amount
Smart Investor
90% LVR
2.99%
3.01%
3.19%
3.21%
The Smart Investor Home Loan could help you save you thousands and build your wealth.
- Option to add an offset sub-account for +0.10%^
- No monthly or ongoing fees
- Unlimited redraws
- Visa debit card
- Redraw facility
- Available to split
- Additional repayments
- Up to 90% LVR
- $1M max loan amount
3.69%
3.70%
-
-
Want a lower rate on your SMSF loan? loans.com.au has some of the lowest rate SMSF loans in the market, and we’re here to help you refinance your SMSF so you can start saving thousands.
- Easy refinance process
- No application fee and no settlement fee
- No monthly, annual or ongoing fees
- Additional repayments
- Up to 80% LVR
- $1M max loan amount
2.64%
2.89%
3.04%
(up to 80%)
2.92%
Lock in a low rate investment loan for certainty of your repayments.
- 1 year fixed term
- No monthly or ongoing fees
- Option to split with low variable rate
- Schedule recurring transfers
- Additional repayments (Up to $10,000 extra repayment per year)
- Up to 90% LVR
- $1M max loan amount
3.19%
2.96%
3.59%
(up to 80%)
3.01%
Lock in a low rate investment loan for certainty of your repayments.
- 2 year fixed term
- No monthly or ongoing fees
- Option to split with low variable rate
- Schedule recurring transfers
- Additional repayments (Up to $10,000 extra repayment per year)
- Up to 90% LVR
- $1M max loan amount
3.44%
3.03%
3.84%
(up to 80%)
3.11%
Lock in a low rate investment loan for certainty of your repayments.
- 3 year fixed term
- No monthly or ongoing fees
- Option to split with low variable rate
- Schedule recurring transfers
- Additional repayments (Up to $10,000 extra repayment per year)
- Up to 90% LVR
- $1M max loan amount
Principal & interest
Interest Only
Interest rate p.a.
Comparison rate p.a.*
Interest rate p.a.
Comparison rate p.a.*
1.99%
2.71%
1.99%
2.71%
Principal & interest
Interest Only
Interest rate p.a.
Comparison rate p.a.*
Interest rate p.a.
Comparison rate p.a.*
2.34%
2.63%
2.59%
2.88%
Principal & interest
Interest Only
Interest rate p.a.
Comparison rate p.a.*
Interest rate p.a.
Comparison rate p.a.*
2.74%
2.76%
2.99%
3.01%
Principal & interest
Interest Only
Interest rate p.a.
Comparison rate p.a.*
Interest rate p.a.
Comparison rate p.a.*
2.99%
3.01%
3.19%
3.21%
Principal & interest
Interest Only
Interest rate p.a.
Comparison rate p.a.*
Interest rate p.a.
Comparison rate p.a.*
3.69%
3.70%
-
-
Principal & interest
Interest Only
Interest rate p.a.
Comparison rate p.a.*
Interest rate p.a.
Comparison rate p.a.*
2.64%
2.89%
3.04%
(up to 80%)
2.92%
Principal & interest
Interest Only
Interest rate p.a.
Comparison rate p.a.*
Interest rate p.a.
Comparison rate p.a.*
3.19%
2.96%
3.59%
(up to 80%)
3.01%
Principal & interest
Interest Only
Interest rate p.a.
Comparison rate p.a.*
Interest rate p.a.
Comparison rate p.a.*
3.44%
3.03%
3.84%
(up to 80%)
3.112%
Construction rates
Let us help with the finance so you can focus on your building and renovations. A simple and quick process, with fully featured loans, you’ll find the right low rate construction loan for you.
Interest only
Product Name
Interest rate p.a.
Comparison rate p.a.*
Post construction rate p.a.
Features
Green Construction
Owner Occupier
2.08%
2.39%
2.08%
Get Australia's lowest rate construction loan discount when you go green.
- Low rate construction loan with added benefits
- Save thousands & make an environmentally conscious choice
- Get a 7.0 star NatHERS rating or higher for up to 1.59% discount***
on your variable rate construction loan - Up to 90% LVR
- $1M max loan amount
- Visa debit card
- Redraw facility
- Available to split
- Additional repayments
Green Construction
Investor
2.59%
2.90%
2.59%
Get Australia's lowest rate construction loan discount when you go green.
- Low rate construction loan with added benefits
- Save thousands & make an environmentally conscious choice
- Get a 7.0 star NatHERS rating or higher for up to 1.59% discount***
on your variable rate construction loan - Up to 90% LVR
- $1M max loan amount
- Visa debit card
- Redraw facility
- Available to split
- Additional repayments
Construction
Owner Occupier - 80% LVR
3.47%
2.71%
2.59%
Build your dream home or renovate with our construction loan
- Interest-only during construction
- No monthly or ongoing fees
- Optional offset sub-account upon completion of construction
- Up to 80% LVR
- $1M max loan amount
- Visa debit card
- Redraw facility
- Available to split
- Additional repayments
Construction
Owner Occupier - 90% LVR
3.67%
3.09%
2.99%
Build your dream home or renovate with our construction loan
- Interest-only during construction
- No monthly or ongoing fees
- Optional offset sub-account upon completion of construction
- Up to 90% LVR
- $1M max loan amount
- Visa debit card
- Redraw facility
- Available to split
- Additional repayments
Construction
Investor - 80% LVR
3.57%
2.99%
2.89%
Build or renovate to increase your investment property’s value with our construction loan
- Interest only during construction
- No monthly or ongoing fees
- Optional offset sub-account upon completion of construction
- Up to 80% LVR
- $1M max loan amount
- Visa debit card
- Redraw facility
- Available to split
- Additional repayments
Construction Investor
Investor - 90% LVR
3.77%
3.28%
3.19%
Build or renovate to increase your investment property’s value with our construction loan
- Interest only during construction
- No monthly or ongoing fees
- Optional offset sub-account upon completion of construction
- Up to 90% LVR
- $1M max loan amount
- Visa debit card
- Redraw facility
- Available to split
- Additional repayments
Interest only
Interest rate p.a.
Comparison rate p.a.*
Post construction rate p.a.
2.08%
2.39%
2.08%
Interest only
Interest rate p.a.
Comparison rate p.a.*
Post construction rate p.a.
2.59%
2.90%
2.59%
Interest only
Interest rate p.a.
Comparison rate p.a.*
Post construction rate p.a.
3.47%
2.71%
2.59%
Interest only
Interest rate p.a.
Comparison rate p.a.*
Post construction rate p.a.
3.67%
3.09%
2.99%
Interest only
Interest rate p.a.
Comparison rate p.a.*
Post construction rate p.a.
3.57%
2.99%
2.89%
Interest only
Interest rate p.a.
Comparison rate p.a.*
Post construction rate p.a.
3.77%
3.28%
3.19%
Complete your home loan application in 2 minutes
Apply online yourself or call our friendly lending specialists and they can do the hard work for you. The application is quick and easy, so get started on yours today.
Common home loan questions
Alternatively, chat to one of our friendly lending specialists on 13 10 90 and they can complete your application for you.
After your application is complete, use our app onTrack on your desktop or device to add your documents such as payslips, and details of your existing loan. In the onTrack app, you can track the progress of your application. Find out more information about the documents required for a home purchase or build.
ACT | NSW | NT | SA | QLD | TAS | VIC | WA
- The state you’re buying in – All states have different methods of calculating stamp duty so the amount will differ.
- The price of the property – In general, the cheaper the property is the less stamp duty you will pay.
- The type of home you’re buying – Vacant land will have less stamp duty compared to an established home.
We'd always advise our customers to have the right documentation ready at application stage, so you can move forward with your application as quickly as possible.
The only fees you will pay on your home loan are a one-off $300 settlement fee plus a valuation fee, which for a standard property in a metropolitan area in a major city starts at $220.
Why people choose us?
Quite simply, we help people into their dream homes and cars.
For the last 10 years, Aussies have trusted our experienced & locally based team to support them with low home loan and car loan rates, approved quickly through our online app.
Low interest rates
We can offer rates much lower than some banks and lenders. Fewer overheads mean doing business costs less and those savings translate directly into lower interest rates and fees so you can save when buying your next home.
Australian-based
We have an experienced, Australian based team. At every step of the home purchase journey, you’ll talk to a real person from our friendly team of lending specialists who are here to help you get a low rate home loan as quickly as possible, so you can get the keys to your next property.
Flexible options
We offer great low rates on our fixed, variable and split home loans for your next home purchase. We also offer discounts for large deposits or customers with owner occupied and investment properties, so it could be worth considering keeping your existing property as an investment to access some loan discounts.
Award-winning
Many customers who joined us years ago continue to finance their new home purchases with us, plus we are also recognised by the experts. By keeping interest rates low and providing exceptional service, we keep on winning awards for our loans, extras and innovations, year after year!
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 application in your own time, and you can always upload sections and come back at a time that suits you as you focus on the build, purchase or refinance..
Free Property Reports
We provide free property reports which can help you get started on research to make sure your next home is the right home for you. The loans.com.au property reports provide information such as Estimated property value, Property mapping, Properties sold in the area, Market comparison, Median sale prices in the area and Suburb insights.
Home loan calculators
If you haven’t started your home loan journey yet, we have calculators that might help you make your decision, whether it be to refinancing, get a second property, or add features to your loan. Use our calculators to calculate your equity, repayments, potential savings by refinancing or adding an offset. We also have a stamp duty calculator to see how much you may be up for.
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.
In just 2 minutes, find out if you qualify for a low rate home loan.
According to our customers, the application process is “quick, smooth and easy”, and communication is “clear, transparent and professional.” Get started on your online application today.
Our friendly home loan specialists are here to help. Book a call to get all your home loan questions answered.