loans.com.au Home Loans

loans.com.auA 100% online, award-winning, Australian-owned brand offering competitive home loans

loans.com.au is an online brand that aims to offer a range of competitive loans that are designed to help make life easier. Their mission is to become the leading online lender in the Australian financial space.

Who is loans.com.au?

LoansBackersloans.com.au is an Australian-owned online lender based in Brisbane. The company doesn't have any branches or overheads, so it can pass savings on to you in the form of more competitive interest rates.

Loans.com.au customers is underwritten by Firstmac, one of the largest financial services organisations in Australia, is a full member of the Mortgage & Finance Association of Australia (MFAA), and has a 'strong' rating (the best possible) from Standard & Poor's for their loan serviceability abilities.

Variable Rate Home Loan Offer

loans.com.au Essentials - Variable (Owner Occupier, P&I)

3.64 % p.a.

variable rate

3.66 % p.a.

comparison rate

Variable Rate Home Loan Offer

Apply for a loans.com.au Essentials Home Loan and get a low variable interest rate, plus no application fee and no additional repayment fee.

  • Interest rate of 3.64% p.a.
  • Comparison rate of 3.66% p.a.
  • Application fee of $0
  • Maximum LVR: 80%
  • Minimum borrowing: $50,000
  • Max borrowing: $2,000,000
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Comparison of loans.com.au home loans

Rates last updated April 23rd, 2018
$
Loan purpose
Offset account
Loan type
Your filter criteria do not match any product
Name Product Interest Rate (p.a.) Comp Rate^ (p.a.) Application Fee Ongoing Fees Max LVR Monthly Payment Short Description
3.64%
3.66%
$0
$0 p.a.
80%
Pay no ongoing fees and enjoy a flexible repayment schedule, including the ability to make unlimited additional repayments without penalty.
3.94%
3.76%
$0
$0 p.a.
90%
Lock in a short interest loan term with a low interest rate.
3.99%
3.74%
$0
$0 p.a.
90%
Borrow up to 90% of the value of the property you're buying, and pay no application fee.
4.04%
4.06%
$0
$0 p.a.
90%
A home loan with no ongoing fees. This loan is available for refinances and purchases.
3.72%
3.74%
$0
$0 p.a.
80%
Save on interest by taking advantage of a 100% offset account along with no ongoing fees or application fees.
4.07%
4.09%
$0
$0 p.a.
80%
4.29%
3.86%
$0
$0 p.a.
90%
A low rate 3 year loan with no ongoing fees or application fee from an award winning lender.
4.41%
3.82%
$0
$0 p.a.
90%
Turn your dream home into a reality with a low interest rate home loan, plus no application and service fee.

Compare up to 4 providers

Rates last updated April 23rd, 2018
$
Loan purpose
Offset account
Loan type
Your filter criteria do not match any product
Name Product Interest Rate (p.a.) Comp Rate^ (p.a.) Application Fee Ongoing Fees Max LVR Monthly Payment Short Description
3.89%
3.91%
$0
$0 p.a.
80%
Borrow up to $2 million with this low investor rate. To get this discounted rate you must package the loan with your owner-occupier mortgage.
4.19%
4.21%
$0
$0 p.a.
80%
A simple, variable rate investor loan from an online lender that keeps fees to a minimum.
4.19%
4.21%
$0
$0 p.a.
80%
Investors will pay no application or ongoing fees for this interest-only loan.
4.27%
4.29%
$0
$0 p.a.
80%
4.19%
4.21%
$0
$0 p.a.
80%
Package your owner occupied loan with investment loan and receive a discounted investment rate.
4.64%
4.29%
$0
$0 p.a.
80%
Pay no application or ongoing fee and borrow up to 90% LVR.
3.89%
3.91%
$0
$0 p.a.
80%
Package your owner occupied loan with investment loan and receive a discounted investment rate.
4.29%
4.20%
$0
$0 p.a.
80%
Pay no application or ongoing fee and borrow up to 90% LVR.
4.39%
4.41%
$0
$0 p.a.
90%
A full featured home loan with a 100% redraw offset facility, plus a low interest rate with no application fee. This loan is available for investors.
4.33%
4.21%
$0
$0 p.a.
90%
Fix in a 2 year rate and choose to split the loan if you wish for your investment.
4.27%
4.29%
$0
$0 p.a.
80%
A full featured home loan with a 100% redraw offset facility, plus a low interest rate with no application fee. This loan is available for investors.
4.48%
4.23%
$0
$0 p.a.
80%
Pay no application or ongoing fee and borrow up to 90% LVR.
4.49%
4.26%
$0
$0 p.a.
90%
Investment loan that locks in a fixed rate for three years.
4.61%
4.16%
$0
$0 p.a.
90%
A dedicated home loan rate to help build your new investment property.
4.14%
4.19%
$0
$0 p.a.
90%
Lock in a short term interest rate for your investment property.

Compare up to 4 providers

What types of home loans are offered by loans.com.au?

Essentials

The loans.com.au Essentials Home Loan is a no-frills home loan that carries a competitive rate, and still has features like a redraw facility and extra repayment options.

More about loans.com.au Essentials Home Loan

Offset variable

This loan has a competitive interest rate, allows you to borrow up to 90% of your property's value and carries no application fee, no monthly fees and no ongoing fees. An offset account is available with this home loan, along with unlimited free redraws with no minimum redraw amount. With online access, you can also check on your home loan 24/7. You'll also get a linked Visa Debit Card with your offset account to access to your funds.

More about loans.com.au Offset Variable

Fixed rate - 1, 2 or 3 years

If you prefer the certainty of a fixed rate, you may want to consider this loan instead. You have the opportunity to lock in your interest rate for a period of up to 60 days after application. After the fixed term, the loan will revert to the standard variable home loan. You can choose to fix again if you wish. You can choose between weekly, fortnightly or monthly repayments, and there is a five year interest-only option available. This loan has up to five free splits as well as a portability feature.
More about loans.com.au Fixed Home Loan

Construction loan - variable rate

If you're planning to build a new property or renovate your existing one, this loan could be suitable. It is designed for borrowers who have bought land and are looking to start building, or borrowers who are looking at making extensive renovations. Before you apply for this loan, you need to have finalised the purchase of your land, chosen a licensed contractor, have building plans and a copy of the building contract. The contract will need to be a fixed price contract, so the cost of each stage has already been determined.

More about loans.com.au Construction Loan

How do I apply for a loan from loans.com.au?

If you would like to apply for a home loan from loans.com.au, please click 'go to site' to be safely redirected to the enquiry page. You'll need to enter some information about your home loans needs, and a loans.com.au mortgage consultant will get in touch with you. Once you've filled in your online application, loans.com.au can generally give you preliminary approval within 48 hours. After your loan has received its final approval, loan contracts will be sent to you for you to sign. This could include a discharge document from your current lender if you are refinancing.

What information would I need to provide?

  • How much you'd like to borrow, the property value, the loan purpose, number of borrowers
  • Information about your income: Annual salary before tax, any other income streams
  • Information about your expenses: Your existing repayments, other loans, your current credit card limits

Yes, loans.com.au home loans come with split rate options, with the Dream Home Loan allowing up to five free splits. This allows you to make the most of both fixed and variable rates.

Find out what your repayments will be in a few seconds

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Related Posts

Home Loan Offers

Important Information*
loans.com.au Essentials - Variable (Owner Occupier, P&I)

A competitive interest rate home loan with interest only options. Interest rate 3.64%p.a.
comp rate of 3.66%p.a.

NAB Choice Package Home Loan - 2 Year Fixed (Owner Occupier P&I) First Home Buyer Special

Start your home buying journey with 2 years of fixed repayments and a reasonable rate from a big 4 bank. Available with a 10% deposit.

UBank UHomeLoan Variable Rate - Discount Offer for Owner Occupied Variable P&I Rate — borrowing $700,000 or more

Pay no application or ongoing fees and get access to a redraw facility and flexible repayment schedule. Refinance to a UBank loan and you could get $1,000 in your USaver account (offer conditions apply).

Greater Bank Ultimate Home Loan - Discounted 1 Year Fixed LVR ≤90% ($150K+ Owner Occupier)

Loans over $150k get a discount off an already low fixed rate. Available for NSW, Qld and ACT residents only.

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12 Responses

  1. Default Gravatar
    ZhufeiJuly 28, 2017

    My friend has a Smart Friend Referral Code. How can I claim $150 Refund back from my settlement fee? Can I give the code right before I settle?

    • Staff
      LiezlAugust 1, 2017Staff

      Hi Zhufie,

      Thanks for your question.

      To get a $150 refund off your settlement fee, you have to call loan.com.au and quote the code when you make an online application. Kindly note that you must be a new customer of loans.com.au to avail of this refund.

      Cheers,
      Liezl

  2. Default Gravatar
    April 11, 2017

    Dear Sir.
    Do you do Reverse Mortgages on houses in D. Victoria?

    • Staff
      LouApril 12, 2017Staff

      Hi David,

      Thanks for your question.

      Unfortunately, loans.com.au does not have a reverse mortgage feature.

      You can check this page to compare home loans with reverse mortgage feature.

      Cheers,
      Anndy

  3. Default Gravatar
    PerryJune 27, 2014

    Do you do Business Loans

    • Staff
      MarcJune 30, 2014Staff

      Hi Perry,
      thanks for the question.

      At this current time, Loans.com.au only offers home loans, car loans and insurance. You can read more about business loans and credit cards here.

      I hope this helps,
      Marc.

  4. Default Gravatar
    JasminMay 19, 2014

    Do you have a staff who can speak Mandarin? If yes, please give me a ring. Thanks.

    • Staff
      MarcMay 20, 2014Staff

      Hi Jasmin,
      thanks for the question.

      Loans.com.au do have staff members who speak Mandarin, so please contact them directly to speak with a representative.

      Cheers,
      Marc.

  5. Default Gravatar
    ShaneMay 10, 2014

    Does Loans.com.au have any products that allow parents to go Guarantor for there kids.

    • Staff
      MarcMay 12, 2014Staff

      Hi Shane,
      thanks for the question.

      Unfortunately Loans.com.au don’t offer any guarantor options at the present time. You can compare other loans with guarantor options on this page.

      I hope this helps,
      Marc.

  6. Default Gravatar
    russellJanuary 3, 2014

    Why haven’t you included CUA as a choice for mortgages as wanted to know how their products stack up against the rest?

    • Staff
      MarcJanuary 6, 2014Staff

      Hello Russell,
      thanks for the question.

      Unfortunately we’re not able to include every loan provider in our comparison. If you’d like help comparing a specific product of theirs with another I’m happy to help.

      Cheers,
      Marc.

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