loans.com.au home loans

loans.com.au Home Loans

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

Read an overview of loans.com.au home loans on this page. Skip ahead to the full table of products or read more about loans.com.au home loans below.

Compare loans.com.au home loans

Compare loans.com.au home loans below. Hit "load more" to see a fuller selection of home loans and hit "Go to site" to start your application process.

Rates last updated March 23rd, 2019
$
Loan purpose
Offset account
Loan type
Repayment 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
3.48%
3.50%
$0
$0 p.a.
80%
Get one of the lowest variable interest rates on the market and pay 0 application or ongoing fees.
3.97%
3.99%
$0
$0 p.a.
80%
Package your owner occupied loan with investment loan and receive a discounted investment rate. 100% offset account included.
3.64%
3.66%
$0
$0 p.a.
90%
A simple mortgage with a competitive interest rate and no application or monthly fees. Borrow up to $2000000 from a convenient online lender.

Compare up to 4 providers

loans.com.au lender profile

  • loans.com.au is an Australian-owned online lender based in Brisbane and is underwritten by Firstmac, one of the largest financial services organisations in Australia.
  • loans.com.au is a full member of the Mortgage & Finance Association of Australia (MFAA).
  • loans.com.au has a 'strong' rating (the best possible) from Standard & Poor's for their loan serviceability abilities.

loans.com.au mortgage features

loans.com.au has a range of mortgage products, whether you're looking to invest or buy home and want a fixed or variable rate.

FeatureDetails
Deposit sizeYou can borrow up to 90% with some of loans.com.au owner occupier home loans.
Offset accountThe loans.com.au Offset Variable Home Loan comes with a100% offset account.
Redraw facilitySome of loans.com.au's products offer free redraw facility, for example loans.com.au Essentials Home Loans come with a redraw facility. Explore the home loans comparison table to see which loans offer this feature.
Package offerThe loans.com.au Smart Loan Package Fixed offers a package including a split loan option (with other loans.com.au products), no ongoing fees, and repayment flexibility. The smart Loan Package fixed is available for home buyers and investors.

How do I apply for an loans.com.au mortgage?

You can learn more about a specific loans.com.au mortgage by clicking through to each product review page on the comparison table. Clicking ''Go to Site'' take you through to loans.com.au's website and start your mortgage application process.

Eligibility

Each loans.com.au product have specific eligibility criteria but some will apply to all products. For example:

  • Age. You must be over 18 years of age.
  • Residency. You should be a resident of Australia.
  • Employment. You should have a regular source of income.

Documents required

When you apply for a mortgage with loans.com.au you are required to provide certain information so make sure you have all your documents ready before you apply. The documents you will be expected to provide are:

  • Identification documents. You will need identification such as a driver's license, passport or birth certificate.
  • Proof of income documents. Recent payslips can establish your income.
  • Asset and liability documents. You need to provide documents showing your current assets (savings accounts, investments) and liabilities (your outstanding debt).

Detailed guide to home loan applications and paperwork

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Home Loan Offers

Important Information*
UBank UHomeLoan Variable Rate - Discount offer for Owner Occupiers, P&I Borrowing over $200,000

Take advantage of a low-fee mortgage with a special interest rate of just 3.59% p.a. and a 3.59% p.a. comparison rate.

HSBC Home Value Loan - (Owner Occupier P&I)

Get a low interest rate loan with no ongoing fees. Plus you can make extra repayments and free redraw online. Available with just a 10% deposit.

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.

Ask an Expert

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14 Responses

  1. Default Gravatar
    NeilFebruary 25, 2019

    My home is worth $650,000 . My mortgage balance is under $95,000 @ 4.48% with a $25,000 redraw facility. I am looking for an interest rate around 3.8%. Can you help.

    • finder Customer Care
      JeniFebruary 28, 2019Staff

      Hi Neil,

      Thank you for getting in touch with finder.

      If you consider getting a refinance home loan with loans.com.au kindly proceed to the comparison table on this page. Please enter the loan amount and the loan term then click the orange Calculate button to start comparing your options. Please click on the green Go to site button to be redirected to their official page and learn more on their home loan rates and offers. Their minimum loan requirement is at least $50,000. If you are still looking around, you may check out this page to compare your refinance home loan options. Please enter the loan amount, the interest rate and the loan term then click the orange Calculate button to start comparing your options.

      I also suggest that you seek help from a mortgage broker since you’re looking for providers that offer the cheapest rate.

      I hope this helps.

      Thank you and have a wonderful day!

      Cheers,
      Jeni

  2. 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?

    • Default Gravatar
      LiezlAugust 1, 2017

      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

  3. Default Gravatar
    April 11, 2017

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

    • finder Customer Care
      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

  4. Default Gravatar
    PerryJune 27, 2014

    Do you do Business Loans

    • finder Customer Care
      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.

  5. Default Gravatar
    JasminMay 19, 2014

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

    • finder Customer Care
      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.

  6. Default Gravatar
    ShaneMay 10, 2014

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

    • finder Customer Care
      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.

  7. 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?

    • finder Customer Care
      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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