Click Loans Home Loans

Click Loans is an online-only lender headquartered in Sydney. It is backed by some of Australia’s biggest financial and technology institutions, but prides itself on its ‘small business’ feel.

As an online-only lender, Click Loans has lower overheads, which it says results in lower rates and fees for its borrowers.

Click Loans Home Loan Calculator  
Interested in a Click Loans home loan? RateCity has a suite of calculators that can show you what your repayments would be and how Click Loans compares to its competitors. Simply plug in your borrowing amount below.

Click Loans home loans

The Online Home Loan ($150k-$500k, LVR 70%-80%)
Advertised rate
3.84%
Variable
Upfront fee
$440.00
Comparison rate*
3.87%
Ongoing fee
$0
Compare
The Online Offset Investment Loan (LVR 75%-80%)
Advertised rate
3.89%
Variable
Upfront fee
$440.00
Comparison rate*
3.92%
Ongoing fee
$0
Compare
The Online Offset Home Loan (LVR 75%-80%)
Advertised rate
3.84%
Variable
Upfront fee
$363.00
Comparison rate*
4.06%
Ongoing fee
$198 annually
Compare
The Online Investor Home Loan ($150k-$500k, LVR 70%-80%)
Advertised rate
4.04%
Variable
Upfront fee
$440.00
Comparison rate*
4.07%
Ongoing fee
$0
Compare
Basic Home Loan ($150k-$500k, LVR 70%-80%)
Advertised rate
4.04%
Variable
Upfront fee
$440.00
Comparison rate*
4.07%
Ongoing fee
$0
Compare
The Online Home Loan Fixed 1 Year
Advertised rate
4.29%
Fixed - 1 year
Upfront fee
$363.00
Comparison rate*
4.10%
Ongoing fee
$0
Compare
The Online Home Loan Fixed 2 Years
Advertised rate
4.29%
Fixed - 2 years
Upfront fee
$363.00
Comparison rate*
4.12%
Ongoing fee
$0
Compare
Online Prime Investment Loan (LVR 75%-80%)
Advertised rate
4.12%
Variable
Upfront fee
$440.00
Comparison rate*
4.15%
Ongoing fee
$0
Compare
Online Prime Home Loan (LVR 75%-80%)
Advertised rate
4.12%
Variable
Upfront fee
$440.00
Comparison rate*
4.15%
Ongoing fee
$0
Compare
The Online Home Loan Fixed 3 Years
Advertised rate
4.39%
Fixed - 3 years
Upfront fee
$363.00
Comparison rate*
4.16%
Ongoing fee
$0
Compare
The Online Offset Home Loan Fixed 1 Year
Advertised rate
4.29%
Fixed - 1 year
Upfront fee
$363.00
Comparison rate*
4.29%
Ongoing fee
$198 annually
Compare
The Online Offset Home Loan Fixed 2 Years
Advertised rate
4.29%
Fixed - 2 years
Upfront fee
$363.00
Comparison rate*
4.31%
Ongoing fee
$198 annually
Compare
The Online Offset Home Loan ($150k-$500k, LVR 70%-80%)
Advertised rate
3.84%
Variable
Upfront fee
$363.00
Comparison rate*
4.32%
Ongoing fee
$198 annually
Compare
The Online Offset Home Loan Fixed 3 Years
Advertised rate
4.39%
Fixed - 3 years
Upfront fee
$363.00
Comparison rate*
4.36%
Ongoing fee
$198 annually
Compare
The Online Offset Home Loan ($150k-$500k, LVR 80%-90%)
Advertised rate
4.22%
Variable
Upfront fee
$363.00
Comparison rate*
4.41%
Ongoing fee
$198 annually
Compare
The Online Home Loan ($150k-$500k, LVR 80%-90%)
Advertised rate
4.38%
Variable
Upfront fee
$440.00
Comparison rate*
4.41%
Ongoing fee
$0
Compare
The Online Offset Home Loan ($150k-$500k, LVR 90%-95%)
Advertised rate
4.32%
Variable
Upfront fee
$363.00
Comparison rate*
4.51%
Ongoing fee
$198 annually
Compare
The Online Home Loan ($150k-$500k, LVR 90%-95%)
Advertised rate
4.48%
Variable
Upfront fee
$440.00
Comparison rate*
4.51%
Ongoing fee
$0
Compare
The Online Investor Home Loan ($150k-$500k, LVR 80%-90%)
Advertised rate
4.48%
Variable
Upfront fee
$440.00
Comparison rate*
4.51%
Ongoing fee
$0
Compare
The Online Investor Offset ($150k-$500k, LVR 70%-80%)
Advertised rate
4.37%
Variable
Upfront fee
$363.00
Comparison rate*
4.56%
Ongoing fee
$198 annually
Compare
The Online Investor Fixed 2 Years
Advertised rate
4.49%
Fixed - 2 years
Upfront fee
$363.00
Comparison rate*
4.59%
Ongoing fee
$0
Compare
The Online Investor Fixed 1 Year
Advertised rate
4.49%
Fixed - 1 year
Upfront fee
$363.00
Comparison rate*
4.60%
Ongoing fee
$0
Compare
The Online Investor Offset ($150k-$500k, LVR 80%-90%)
Advertised rate
4.47%
Variable
Upfront fee
$363.00
Comparison rate*
4.66%
Ongoing fee
$198 annually
Compare
The Online Investor Offset Fixed 2 Years
Advertised rate
4.49%
Fixed - 2 years
Upfront fee
$363.00
Comparison rate*
4.78%
Ongoing fee
$198 annually
Compare
The Online Investor Offset Fixed 1 Year
Advertised rate
4.49%
Fixed - 1 year
Upfront fee
$363.00
Comparison rate*
4.78%
Ongoing fee
$198 annually
Compare
Pros:
  • Fast and easy online application process.
  • Very competitive interest rates.
  • Low fees.
Cons:
  • No branch network.
Click Loans customer service:

Click Loans offers a wide range of online customer service options, including Skype chat and Google hangouts. There is also a customer service call centre open Monday to Friday, 8am to 8pm. Click Loans’ ‘home loan concierges’ make themselves available outside these hours if required.

  • Customer service centre (phone)
  • Mobile app
  • Online banking
  • Email
  • Live Chat
  • Online verification system to make applying for your loan fast, easy and convenient.
  • You can also complete this process at an Australia Post office if you prefer.

How to Apply

The application process for Click Loans is all online and borrowers are guided through the stages. Before applying for a home loan it is advisable to think about how much money you could conceivably borrow given your financial situation and income. You will also need to provide documentation when applying for a home loan. This will include:

  • Personal identification material.
  • Proof of income and other earnings.
  • Proof and type of employment.
  • Details of current loans, debts and liabilities.
  • Personal insurance documents.
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