loans.com.au Zip Home Loan

Last updated:  

Get a low variable rate and a no-fee Visa debit card.

The loans.com.au Zip Home Loan is a low-rate home loan that offers flexible repayments, free redraw and access to a fee-free Visa debit card.

We’re reader-supported and may be paid when you visit links to partner sites. We don’t compare all products in the market, but we’re working on it!

Expert review

Adam Smith

Review by


Adam Smith was the home loans editor at Finder.

Expert review

The loans.com.au Zip Home Loan is available only to owner-occupiers for purchase or refinance. It carries no application or ongoing fees.

About this loan

What are the features and benefits of the loans.com.au Zip Home Loan?

  • Loan amount and purpose. The loans.com.au Zip Home Loan has a minimum borrowing amount of $250,000 and a maximum borrowing amount of $2,000,000. It has a maximum loan-to-value ratio of 80%, so you'll need at least a 20% deposit.
  • Flexible repayments. The loans.com.au Zip Home Loan allows you to make weekly, fortnightly or monthly repayments. You can make as many additional repayments as you like without penalty.
  • Free redraw. If you're ahead on your home loan, you can withdraw the extra funds using the loan's free online redraw facility. There's no minimum redraw amount and no fee for making online redraws.
  • Visa debit card. The loans.com.au Zip Home Loan comes with a no fee, Visa debit card that lets you spend $5,000 interest free for the life of the loan. This money will not be added to the balance of your home loan, meaning it won't impact your monthly repayments. But you will need to repay a minimum of $100 a month when you use the debit card.
  • Low fee. This loan comes with no application or ongoing fees.

What fees and charges come with this loan?

  • Settlement fee: $300. This fee covers the funding costs associated with funding your home loan.

How to apply

If you've compared home loans and think the loans.com.au Zip Home Loan is the product for you, click the link below. You'll be taken to the loans.com.au website, where you'll be guided through your home loan application.

Home Loan Offers

Important Information*
Logo for Westpac Flexi First Option Home Loan - Basic Variable Rate (Owner Occupier, P&I)
Westpac Flexi First Option Home Loan - Basic Variable Rate (Owner Occupier, P&I)

Up to $3,000 refinance cashback. A flexible and competitive variable rate loan. Eligible borrowers refinancing $250,000 or more can get $2,000 cashback per property plus a bonus $1,000 for their first application. Other conditions apply.

Logo for St.George Basic Home Loan - LVR 60% to 80% (Owner Occupier, P&I)
St.George Basic Home Loan - LVR 60% to 80% (Owner Occupier, P&I)

Up to $4,000 refinance cashback With this competitive variable rate loan from St.George, refinancers borrowing $250,000+ can get up to $4,000 cashback and borrow up to 80% of the property's value (terms, conditions & exclusions apply).

Logo for Athena Liberate Home Loan - 70% to 80% LVR Owner Occupier, P&I
Athena Liberate Home Loan - 70% to 80% LVR Owner Occupier, P&I

A competitive variable rate mortgage for owner occupiers $0 application and $0 ongoing fees. This interest rate falls over time as you pay off the loan.

Logo for Suncorp Back to Basics Home Loan - Better Together Special Offer $150k+ LVR ≤ 80% (Owner Occupier, P&I)
Suncorp Back to Basics Home Loan - Better Together Special Offer $150k+ LVR ≤ 80% (Owner Occupier, P&I)

Get a competitive variable interest rate with no application fee or ongoing fees.

Ask an expert

To ask a question simply log in via your email or create an account.

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use, Disclaimer & Privacy Policy and Privacy & Cookies Policy.
Go to site