loans.com.au Home Loans

Rates and Fees verified correct on December 6th, 2016

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 competitive loans that are designed to help make life easier. Their mission is to become the leading online lender in the Australian financial space.

The organisation doesn't have any branches or overheads, so they can pass the savings on to you when it comes to your loan. Their customer care call centre is based out of Brisbane, Queensland, and they receive funding from Firstmac, an Australian mortgage lender with more than 35 years of experience and $8 billion in mortgages.

Other products and services offered by loans.com.au include car loans.

loans.com.au Essentials - New Purchases Only Up to 80% LVR (Owner Occupier, P&I)

loans.com.au Essentials - New Purchases Only Up to 80% LVR (Owner Occupier, P&I)

3 .39 % p.a.

variable rate

3 .41 % p.a.

comparison rate

loans.com.au 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. Special offer ends 15 December.

  • Interest Rate of 3.39% p.a.
  • Comparison Rate of 3.41% p.a.
  • Application Fee of $0
  • Maximum LVR: 80%
  • Minimum Borrowing: $50,000
  • Maximum Borrowing: $1,000,000

Comparison of loans.com.au home loans

Rates last updated December 6th, 2016
$
Loan purpose
Offset account
Loan type
Your filter criteria do not match any product
Interest Rate (p.a.) Comp Rate^ (p.a.) Application Fee Ongoing Fees Max LVR Monthly Payment
loans.com.au Essentials - New Purchases Only Up to 80% LVR (Owner Occupier, P&I)
Low variable rate for new purchases as well as no application or ongoing fees. Special offer ends 15 December.
3.39% 3.41% $0 $0 p.a. 80% Go to site More info
loans.com.au Essentials - Variable Refinancers Only (Owner Occupier, P&I)
A low-interest rate loan suited for refinancing with no application or ongoing fees.
3.59% 3.61% $0 $0 p.a. 80% Go to site More info
loans.com.au Offset Variable - New Purchases Only Up to 80% LVR (Owner Occupier, P&I)
No application or annual fees, and access to a 100% offset account. Special offer ends 15 December.
3.49% 3.51% $0 $0 p.a. 80% Go to site More info
loans.com.au Fixed - 1 Year Fixed (Owner Occupier)
Lock in a short interest loan term with a low interest rate.
3.89% 3.71% $0 $0 p.a. 80% More info
loans.com.au Fixed - 2 Year Fixed (Owner Occupier)
Another low interest rate offer from loans.com.au. No application fee to pay.
3.89% 3.72% $0 $0 p.a. 90% More info
loans.com.au Fixed - 3 Year Fixed (Owner Occupier)
A low rate 3 year loan with no ongoing fees or application fee from an award winning lender.
3.89% 3.74% $0 $0 p.a. 90% More info
loans.com.au Offset Variable - 80% to 90% LVR (Owner Occupier, P&I)
A home loan with no ongoing fees. This loan is available for refinances and purchases.
3.99% 4.01% $0 $0 p.a. 90% More info
loans.com.au Construction - Variable (Owner Occupier)
Turn your dream home into a reality with a low interest rate home loan, plus no application and service fee.
4.21% 4.11% $0 $0 p.a. 90% More info
Rates last updated December 6th, 2016
$
Loan purpose
Offset account
Loan type
Your filter criteria do not match any product
Interest Rate (p.a.) Comp Rate^ (p.a.) Application Fee Ongoing Fees Max LVR Monthly Payment
loans.com.au Essentials - New Purchases Only Up to 80% LVR (Investor, P&I)
Low variable rate for new investment purchases when you borrow up to 80% LVR. Special offer ends 15 December.
3.69% 3.71% $0 $0 p.a. 80% More info
loans.com.au Essentials - New Purchases Only LVR up to 80% (Investor, IO)
Borrow up to 80% LVR and pay interest only on your investment purchase with this discounted rate. Special offer ends 15 December.
3.89% 3.91% $0 $0 p.a. 80% More info
loans.com.au Offset Variable - 80% to 90% LVR (Investor, P&I)
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.
4.19% 4.21% $0 $0 p.a. 90% Go to site More info
loans.com.au Fixed - 2 Year Fixed (Investor)
Fix in a 2 year rate and choose to split the loan if you wish for your investment.
4.19% 3.94% $0 $0 p.a. 90% More info
loans.com.au Fixed - 3 Year Fixed (Investor)
Investment loan that locks in a fixed rate for three years.
4.19% 3.96% $0 $0 p.a. 90% More info
loans.com.au Fixed - 1 Year Fixed (Investor)
Lock in a short term interest rate for your investment property.
4.19% 3.91% $0 $0 p.a. 90% More info
loans.com.au Construction - Variable (Investor)
A dedicated home loan rate to help build your new investment property.
4.41% 4.24% $0 $0 p.a. 90% More info

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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This page was last modified on 29 November 2016 at 10:59.

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8 Responses to loans.com.au Home Loans

  1. Default Gravatar
    Perry | June 27, 2014

    Do you do Business Loans

    • Staff
      Marc | June 30, 2014

      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.

  2. Default Gravatar
    Jasmin | May 19, 2014

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

    • Staff
      Marc | May 20, 2014

      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.

  3. Default Gravatar
    Shane | May 10, 2014

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

    • Staff
      Marc | May 12, 2014

      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.

  4. Default Gravatar
    russell | January 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
      Marc | January 6, 2014

      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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