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 August 2026
Hit the "Load More" button to compare a bigger selection of products. You can also find more information on each individual product by clicking "More info".
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How we picked these
loans.com.au scored in the Finder Awards
The loans.com.au Variable Home Loan - LVR 90% (Owner Occupier, P&I) was highly commended for Best First Home Buyer Home Loan in the 2026 Finder Awards.
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.
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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Finder guides across topics including:
O don’t own a property and am looking at buying a shack at lake Bonney. SA. The property is valued at $28000. I have a deposit of $3500 and would need to borrow $25000. I’m on a disability pension and have been for the last five years. Would I be eligible for the first home owners grant? Can you please call me on 0477292676 regarding this please.
Finder
RichardJanuary 12, 2022Finder
Hi Tammy,
You can apply for a home loan though it might be more difficult if your only source of income is coming from your disability pension.
An eligible home for the First Home Owners Grant may be a new or established Australian house, a home unit, a flat, or other types of self-contained fixed dwelling that meets local planning standards. The specific rules vary by state or territory so be sure to check your state’s office of revenue website and find out if you’re eligible.
At Finder we do not issue home loans to borrowers. We can only provide general information. To speak with a representative from loans.com.au, please call their hotline at 13 10 90.
I hope this helps!
Regards,
Richard
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
JeniFebruary 28, 2019Finder
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 ‘Calculate’ button to start comparing your options. You can click the ‘Go to site’ button to be redirected to their official page and learn more about their home loan rates and offers. Their minimum loan requirement is at least $50,000. If you are still looking around, you may check our list of refinancing home loans. 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
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?
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
DavidApril 11, 2017
Dear Sir.
Do you do Reverse Mortgages on houses in D. Victoria?
AnndyApril 12, 2017
Hi David,
Thanks for your question.
Unfortunately, loans.com.au does not have a reverse mortgage feature.
Thankfully, you can always check and compare the reverse mortgages featured on our website.
Cheers,
Anndy
PerryJune 27, 2014
Do you do Business Loans
Finder
MarcJune 30, 2014Finder
Hi Perry,
Thanks for the question.
At this current time, Loans.com.au only offers home loans, car loans, and insurance. You can compare business loans including small business loans, invoice financing, lines of credit, and business car loans. You can select the “Go to Site” button of your preferred lender to proceed with your application. Please ensure to read through the relevant product disclosure statement and terms and conditions to ensure that you got everything covered before you apply.
Learn how to compare rates to find the best home loan and start saving money on your mortgage today.
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O don’t own a property and am looking at buying a shack at lake Bonney. SA. The property is valued at $28000. I have a deposit of $3500 and would need to borrow $25000. I’m on a disability pension and have been for the last five years. Would I be eligible for the first home owners grant? Can you please call me on 0477292676 regarding this please.
Hi Tammy,
You can apply for a home loan though it might be more difficult if your only source of income is coming from your disability pension.
An eligible home for the First Home Owners Grant may be a new or established Australian house, a home unit, a flat, or other types of self-contained fixed dwelling that meets local planning standards. The specific rules vary by state or territory so be sure to check your state’s office of revenue website and find out if you’re eligible.
At Finder we do not issue home loans to borrowers. We can only provide general information. To speak with a representative from loans.com.au, please call their hotline at 13 10 90.
I hope this helps!
Regards,
Richard
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.
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 ‘Calculate’ button to start comparing your options. You can click the ‘Go to site’ button to be redirected to their official page and learn more about their home loan rates and offers. Their minimum loan requirement is at least $50,000. If you are still looking around, you may check our list of refinancing home loans. 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
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?
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
Dear Sir.
Do you do Reverse Mortgages on houses in D. Victoria?
Hi David,
Thanks for your question.
Unfortunately, loans.com.au does not have a reverse mortgage feature.
Thankfully, you can always check and compare the reverse mortgages featured on our website.
Cheers,
Anndy
Do you do Business Loans
Hi Perry,
Thanks for the question.
At this current time, Loans.com.au only offers home loans, car loans, and insurance. You can compare business loans including small business loans, invoice financing, lines of credit, and business car loans. You can select the “Go to Site” button of your preferred lender to proceed with your application. Please ensure to read through the relevant product disclosure statement and terms and conditions to ensure that you got everything covered before you apply.
I hope this helps,
Marc