loans.com.au Home Loans

Loans.com.au is an Australian-owned, innovative online only lender that has been providing Australian customers with a range of low rate, flexible home and investment loans and car loans. Being 100 per cent online means that loans.com.au has fewer overheads and the lender is able to deliver lower rates and fees.

Loans.com.au has won numerous awards including the Smart Investor Blue Ribbon Award for Best Property Investment Loan, Money magazine’s Cheapest Home Loan – non bank and the Cheapest Flexible Home Loan – non bank.

loans.com.au home loans

Essentials Home Loan - 20% Deposit (Principal and Interest)
Advertised rate
3.64%
Variable
Upfront fee
$520.00
Comparison rate*
3.66%
Ongoing fee
$0
Compare
Offset Home Loan (Purchase) (Principal and Interest) (LVR < 80%)
Advertised rate
3.72%
Variable
Upfront fee
$520.00
Comparison rate*
3.74%
Ongoing fee
$0
Compare
Offset Home Loan (Refinance) (Principal and Interest) (LVR < 80%)
Advertised rate
3.72%
Variable
Upfront fee
$520.00
Comparison rate*
3.74%
Ongoing fee
$0
Compare
Fixed Home Loan (Principal and Interest) 1 Year
Advertised rate
3.94%
Fixed - 1 year
Upfront fee
$520.00
Comparison rate*
3.76%
Ongoing fee
$0
Compare
Smart Loan Package Fixed Special 2 Years (Principal and Interest) (Packaged with Owner Occupier Loan)
Advertised rate
3.89%
Fixed - 2 years
Upfront fee
$520.00
Comparison rate*
3.77%
Ongoing fee
$0
Compare
Fixed Home Loan (Principal and Interest) 2 Years
Advertised rate
3.99%
Fixed - 2 years
Upfront fee
$520.00
Comparison rate*
3.78%
Ongoing fee
$0
Compare
Smart Loan Package Fixed Special 3 Years (Principal and Interest) (Packaged with Owner Occupier Loan)
Advertised rate
3.99%
Fixed - 3 years
Upfront fee
$520.00
Comparison rate*
3.80%
Ongoing fee
$0
Compare
Fixed Home Loan (Principal and Interest) 3 Years
Advertised rate
4.29%
Fixed - 3 years
Upfront fee
$520.00
Comparison rate*
3.86%
Ongoing fee
$0
Compare
Smart Loan Offset Package (Principal and Interest) (Packaged with Owner Occupier Loan)
Advertised rate
3.97%
Variable
Upfront fee
$520.00
Comparison rate*
3.99%
Ongoing fee
$0
Compare
Offset Home Loan (Purchase) (Principal and Interest) (LVR 80%-90%)
Advertised rate
4.04%
Variable
Upfront fee
$520.00
Comparison rate*
4.06%
Ongoing fee
$0
Compare
Offset Home Loan (Refinance) (Principal and Interest) (LVR 80%-90%)
Advertised rate
4.04%
Variable
Upfront fee
$520.00
Comparison rate*
4.06%
Ongoing fee
$0
Compare
Fixed Investment Loan (Principal and Interest) 1 Year
Advertised rate
4.14%
Fixed - 1 year
Upfront fee
$520.00
Comparison rate*
4.19%
Ongoing fee
$0
Compare
Fixed Investment Loan (Principal and Interest) 2 Years
Advertised rate
4.33%
Fixed - 2 years
Upfront fee
$520.00
Comparison rate*
4.21%
Ongoing fee
$0
Compare
Fixed Investment Loan (Principal and Interest) 3 Years
Advertised rate
4.49%
Fixed - 3 years
Upfront fee
$520.00
Comparison rate*
4.26%
Ongoing fee
$0
Compare
Smart Loan Package Fixed Special 3 Years (Principal and Interest) (Packaged with Investment Loan)
Advertised rate
3.99%
Fixed - 3 years
Upfront fee
$520.00
Comparison rate*
4.31%
Ongoing fee
$0
Compare
Essentials Investment Loan (Refinance) (Principal and Interest)
Advertised rate
4.29%
Variable
Upfront fee
$520.00
Comparison rate*
4.31%
Ongoing fee
$0
Compare
Essentials Investment Loan (Purchase) (Principal and Interest)
Advertised rate
4.29%
Variable
Upfront fee
$520.00
Comparison rate*
4.31%
Ongoing fee
$0
Compare
Smart Loan Package Fixed Special 2 Years (Principal and Interest) (Packaged with Investment Loan)
Advertised rate
3.89%
Fixed - 2 years
Upfront fee
$520.00
Comparison rate*
4.32%
Ongoing fee
$0
Compare
Offset Investment Loan (Purchase) (Principal and Interest) (LVR < 80%)
Advertised rate
4.37%
Variable
Upfront fee
$520.00
Comparison rate*
4.39%
Ongoing fee
$0
Compare
Offset Investment Loan (Refinance) (Principal and Interest) (LVR < 80%)
Advertised rate
4.37%
Variable
Upfront fee
$520.00
Comparison rate*
4.39%
Ongoing fee
$0
Compare
Offset Investment Loan (Refinance) (Principal and Interest) (LVR 80%-90%)
Advertised rate
4.49%
Variable
Upfront fee
$520.00
Comparison rate*
4.51%
Ongoing fee
$0
Compare
Offset Investment Loan (Purchase) (Principal and Interest) (LVR 80%-90%)
Advertised rate
4.49%
Variable
Upfront fee
$520.00
Comparison rate*
4.51%
Ongoing fee
$0
Compare
Pros:
  • Award-winning customer service.
  • Loans have flexible options.
  • Most loans have low fees.
  • Loans have a fast approval process.
Cons:
  • No branch network.
  • Some loans include annual fees.
  • Loans have discharge fees.
loans.com.au customer service:

Being an online-only lender means loans.com.au customers don’t have access to a branch network. Having said that, loans.com.au offers plenty of flexible and convenient contact options like online live chat. In addition, loan customers can contact the loans.com.au customer support line 7 days a week or can request a call back using the online enquiry form. Customers also have the option of emailing customer care directly. Loans.com.au customers with access to a Visa Debit card can use it at Westpac, St. George, Bank of Melbourne and Bank of SA ATMs without transaction fees.

✓     Customer service centre (phone)

✓     Mobile app

✓     Online banking

✓     Email

✓     Live Chat

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