These home loans offer low costs, coupled with a host of features, giving the best overall value.
7+
Great
These home loans may have slightly higher interest rates or fewer features but overall, a competitive offering.
5+
Standard
Usually the home loans would offer above average rates. They may still include some competitive features.
0+
Basic
Higher costs and/or fewer features.
Key takeaways
loans.com.au is an online Australian lender offering home and car loans.
Its most competitive home loan rates are lower than the market average.
This lender offers fixed and variable rate loans for investors and owner-occupiers.
loans.com.au has phone and email support for customers and applicants.
You can get some loans.com.au loans with a deposit as low as 10%, while many require a standard 20% deposit.
Compare loans.com.au home loans for December 2025
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loans.com.au home loan features
Here are the key features and details you need to know about loans.com.au's mortgage products.
Feature
Details
Minimum deposit
Most loans.com.au loans have 80% maximum LVRs. This means you can borrow up to 80% of the property's value. But some of its loans are available with just 10% deposits.
Offset account
You can get an offset sub account on some loans.com.au mortgages. But you will have to pay a slightly higher interest rate if you add an offset.
The following information is general in nature and applies to most home loans. There may be specific criteria that apply for this lender.
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:
📄 Property details. You can start a loan enquiry before you've bought a property. But to complete an application you need the address of the property and a signed contract of sale.
📄 Identification documents. You will need identification such as a driver's licence, 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).
Mortgage brokers. Still confused? Get free, expert guidance from a qualified mortgage broker.
Lenders like loans.com.au
If you want to compare loans from similar lenders to loans.com.au then you can start with these online lenders. They all have competitive rates and may be a better match for your needs:
Athena. This digital fintech lender offers low-rate mortgages and an entirely online, convenient service.
Tiimely Home. This lender's online application tool can process your mortgage application fast. Backed by the Bendigo and Adelaide Bank.
Homestar. A 100% online lender, Homestar has been providing mortgages to Australian borrowers since 2004.
ME Bank. Member's Equity was established back in 1994 and went fully digital in 2012.
ING. This online bank is part of the global, Dutch-based financial group of the same name.
To make sure you find the right loans.com.au loan, you need a clear idea of what you're looking for in a mortgage. These simple questions can help:
Are you comfortable applying online? Because loans.com.au is an online lender you need to be comfortable with completing the entire home loan process via the web (with phone and chat support).
What do you need the loan for? If you're buying a home to live in, you need an owner-occupier loan. Property investors need an investment loan rate. loans.com.au has both.
Fixed or variable? Do you want the flexibility of a variable rate loan that could rise or fall at any time? Or are you happy to lock in a fixed rate for a specified period so you can forget about rate changes?
What features do you need? loans.com.au home loans have flexible repayment options but not all of its loans have offset accounts.
Home loan pre-approval is an optional step in the application process that some lenders offer. Pre-approval means a lender has examined your savings, income and spending habits and has a rough idea of how much it could lend you. It's not the same as full loan approval and it's no guarantee that the lender will ultimately approve a full application. But it does allow borrowers to start looking for a home with more confidence and a clearer idea of their borrowing power.
Pre-aproval is not something every lender offers, but many do.
Most Australian borrowers bank with one of the Big Four (Commbank, ANZ, Westpac and NAB). You might have some concerns about getting a loan from a smaller lender, but there's no reason to worry.
In Australia, banks and lenders are regulated by the Australian Prudential Regulation Authority (APRA) or the Australian Securities and Investments Commission (ASIC) and must comply with the National Consumer Credit Protection Act.
Deciding between a fixed or variable rate depends on what you want from the loan. A variable rate loan can change at any time, either up or down. A variable rate usually offers more flexibility in how fast you can repay the loan and the cost of refinancing.
A fixed rate loan offers total certainty about your rate, for the fixed period. This means it won't rise, costing you more. But if your lender starts lowering rates you won't benefit either. Refinancing a fixed rate loan means breaking the loan, because you've agreed to a specific rate. This means you may have to pay a fixed rate break fee.
Mortgage brokers are home loan professionals who can help you find a suitable loan. A broker typically doesn't charge you a fee, because they receive a commission from your lender. Brokers are great if you are short on time or find the whole process of researching and applying for a home loan confusing.
But you can definitely do it yourself and find a good loan. You may even find a better deal. That's because brokers don't compare loans from every lender in the market. They have access to a panel of loans and often don't have smaller online lenders in their panel.
Sources
What is Finder Score?
The Finder Score crunches 7,000 home loans across 120+ lenders. It takes into account the product's interest rate, fees and features, as well as the type of loan eg investor, variable, fixed rate - this gives you a simple score out of 10.
To provide a Score, we compare like-for-like loans. So if you're comparing the best home loans for cashback, you can see how each home loan stacks up against other home loans with the same borrower type, rate type and repayment type. We also take into consideration the amount of cashback offered when calculating the Score so you can tell if it's really worth it.
Richard Whitten is Finder’s Senior Money Editor, with over eight years of experience in home loans, property, credit cards and personal finance. His insights appear in top media outlets like Yahoo Finance, Money Magazine, and the Herald Sun, and he frequently offers expert commentary on television and radio, helping Australians navigate mortgages and property ownership. Richard started his career in education and textbook publishing in South Korea. He holds multiple industry certifications, including a Certificate IV in Mortgage Broking (RG 206) and Tier 1 and Tier 2 certifications (RG 146), as well as a Bachelor of Education from the University of Sydney and a Graduate Certificate in Communications from Deakin University.
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Do you have a staff who can speak Mandarin? If yes, please give me a ring. Thanks.
Finder
MarcMay 20, 2014Finder
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.
ShaneMay 10, 2014
Does Loans.com.au have any products that allow parents to go Guarantor for there kids.
Finder
MarcMay 12, 2014Finder
Hi Shane,
Thanks for the question.
As of this time, loans.com.au does not offer any guarantor options. You can refer to our guide to compare guarantor home loans. Before applying, please ensure that you meet all the eligibility criteria and read through the details of the needed requirements as well as the relevant Product Disclosure Statements/Terms and Conditions when comparing your options before making a decision on whether it is right for you.
I also recommend getting in touch with a licensed mortgage broker. A broker can help you understand your financial position and they can leverage their panel of networks to find a lender that is more inclined to review your application.
I hope this helps,
Marc
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
MarcJanuary 6, 2014Finder
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.
Think you need a 20% deposit to buy a home? Think again. We break down no deposit home loans: how they work, who offers them, and what to watch out for.
Home loan cashback deals can help you refinance to a cheaper interest rate and get a lump sum cash payment. Compare the latest deals and check your eligibility today.
Learn how to compare rates to find the best home loan and start saving money on your mortgage today.
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Do you have a staff who can speak Mandarin? If yes, please give me a ring. Thanks.
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.
Does Loans.com.au have any products that allow parents to go Guarantor for there kids.
Hi Shane,
Thanks for the question.
As of this time, loans.com.au does not offer any guarantor options. You can refer to our guide to compare guarantor home loans. Before applying, please ensure that you meet all the eligibility criteria and read through the details of the needed requirements as well as the relevant Product Disclosure Statements/Terms and Conditions when comparing your options before making a decision on whether it is right for you.
I also recommend getting in touch with a licensed mortgage broker. A broker can help you understand your financial position and they can leverage their panel of networks to find a lender that is more inclined to review your application.
I hope this helps,
Marc
Why haven’t you included CUA as a choice for mortgages as wanted to know how their products stack up against the rest?
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.