Compare loans.com.au home loans

Looking for a home loan with loans.com.au? The table below displays a list of variable rate home loan products with principal & interest repayments from loans.com.au on Canstar’s database.

GM, Research
Editor-in-Chief
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  • Comparison rate^ p.a. - lowest first
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promoted
Fees & charges apply. Australian Credit Licence 237391.
5.54%
Variable
5.57%
$2,852
Principal & Interest
dot
Cashback up to $4,000*
dot
$0 application fees, monthly or annual fees
dot
Apply Online
Cashback
Owner occupied
20% min deposit
Redraw facility
Fees & charges apply. Australian Credit Licence 237391.
Fees & charges apply. Australian Credit Licence 237391.
promoted
Fees & charges apply. Australian Credit Licence 395219.
5.54%
Variable
5.58%
$2,852
Principal & Interest
dot
Available for purchase or refinance, min 10% deposit
dot
Fast turnaround times to meet tight settlement timeframes
dot
No application, ongoing or monthly fees.
Owner occupied
10% min deposit
Redraw facility
Fees & charges apply. Australian Credit Licence 395219.
Fees & charges apply. Australian Credit Licence 395219.
promoted
Fees & charges apply. Australian Credit Licence 234945.
5.49%
Variable
5.40%
$2,836
Principal & Interest
dot
A simple low rate with an increasing discount.
dot
Apply in minutes. No Unloan Fees.
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Fee-free extra repayments and redraw.
Owner occupied
20% min deposit
Redraw facility
Fees & charges apply. Australian Credit Licence 234945.
Fees & charges apply. Australian Credit Licence 234945.
promoted
Fees & charges apply. Australian Credit Licence 230686. Products issued by ubank, part of NAB.
5.69%
Variable
5.71%
$2,899
Principal & Interest
dot
Easy application. Fast approval. No annual fee.
dot
Unlimited additional repayments free of charge.
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Products issued by Ubank, part of NAB
Owner occupied
20% min deposit
Redraw facility
Fees & charges apply. Australian Credit Licence 230686. Products issued by ubank, part of NAB.
Fees & charges apply. Australian Credit Licence 230686. Products issued by ubank, part of NAB.
promoted
Fees & charges apply. Australian Credit Licence 240701.
5.63%
Variable
5.66%
$2,880
Principal & Interest
dot
Award-winning products and service. Fast approvals.
dot
Discover competitive rates, no ongoing fees & flexible options.
dot
P&N Bank is your local way home.
Owner occupied
40% min deposit
Redraw facility
Fees & charges apply. Australian Credit Licence 240701.
Fees & charges apply. Australian Credit Licence 240701.
promoted
Fees & charges apply. Australian Credit Licence 395219.
5.54%
Variable
5.58%
$2,852
Principal & Interest
Owner occupied
10% min deposit
Redraw facility
Fees & charges apply. Australian Credit Licence 395219. Star Rating for a $500k owner occupier variable rate P+I loan at 80% LVR
Fees & charges apply. Australian Credit Licence 395219. Star Rating for a $500k owner occupier variable rate P+I loan at 80% LVR
promoted
loans.com.au Offset Home Loan | Variable
star filled star filled star filled star filled star filled
Tooltip icon
Fees & charges apply. Australian Credit Licence 395219.
loans.com.au Offset Home Loan | Variable
star filled star filled star filled star filled star filled
Tooltip icon
5.64%
Variable
5.68%
$2,883
Principal & Interest
Link Not Supplied
Owner occupied
10% min deposit
Redraw facility
Fees & charges apply. Australian Credit Licence 395219. Star Rating for a $500k owner occupier variable rate P+I loan at 80% LVR
Link Not Supplied
Fees & charges apply. Australian Credit Licence 395219. Star Rating for a $500k owner occupier variable rate P+I loan at 80% LVR
promoted
Fees & charges apply. Australian Credit Licence 395219.
5.49%
Variable
5.95%
$2,836
Principal & Interest
Owner occupied
10% min deposit
Redraw facility
Fees & charges apply. Australian Credit Licence 395219. Star Rating for a $500k owner occupier variable rate P+I loan at 80% LVR
Fees & charges apply. Australian Credit Licence 395219. Star Rating for a $500k owner occupier variable rate P+I loan at 80% LVR
promoted
loans.com.au Green Home Loan Intro | 5 Yr Intro | Variable
star filled star filled star filled empty star empty star
Tooltip icon
Fees & charges apply. Australian Credit Licence 395219.
loans.com.au Green Home Loan Intro | 5 Yr Intro | Variable
star filled star filled star filled empty star empty star
Tooltip icon
5.49%
Variable
5.95%
$2,836
Principal & Interest
Link Not Supplied
Owner occupied
10% min deposit
Redraw facility
Fees & charges apply. Australian Credit Licence 395219. Star Rating for a $500k owner occupier variable rate P+I loan at 80% LVR
Link Not Supplied
Fees & charges apply. Australian Credit Licence 395219. Star Rating for a $500k owner occupier variable rate P+I loan at 80% LVR
promoted
loans.com.au Zip Home Loan | Variable
star filled star filled star filled empty star empty star
Tooltip icon
Fees & charges apply. Australian Credit Licence 395219.
loans.com.au Zip Home Loan | Variable
star filled star filled star filled empty star empty star
Tooltip icon
5.94%
Variable
5.98%
$2,978
Principal & Interest
Link Not Supplied
Owner occupied
20% min deposit
Redraw facility
Fees & charges apply. Australian Credit Licence 395219. Star Rating for a $500k owner occupier variable rate P+I loan at 80% LVR
Link Not Supplied
Fees & charges apply. Australian Credit Licence 395219. Star Rating for a $500k owner occupier variable rate P+I loan at 80% LVR
promoted
loans.com.au Green Offset Home Loan | 5 Yr Intro | Variable
star filled star filled star filled empty star empty star
Tooltip icon
Fees & charges apply. Australian Credit Licence 395219.
loans.com.au Green Offset Home Loan | 5 Yr Intro | Variable
star filled star filled star filled empty star empty star
Tooltip icon
5.59%
Variable
5.99%
$2,867
Principal & Interest
Link Not Supplied
Owner occupied
10% min deposit
Redraw facility
Fees & charges apply. Australian Credit Licence 395219. Star Rating for a $500k owner occupier variable rate P+I loan at 80% LVR
Link Not Supplied
Fees & charges apply. Australian Credit Licence 395219. Star Rating for a $500k owner occupier variable rate P+I loan at 80% LVR
promoted
loans.com.au Solar Offset Home Loan | Variable
star filled star filled star filled empty star empty star
Tooltip icon
Fees & charges apply. Australian Credit Licence 395219.
loans.com.au Solar Offset Home Loan | Variable
star filled star filled star filled empty star empty star
Tooltip icon
5.59%
Variable
5.99%
$2,867
Principal & Interest
Link Not Supplied
Owner occupied
10% min deposit
Redraw facility
Fees & charges apply. Australian Credit Licence 395219. Star Rating for a $500k owner occupier variable rate P+I loan at 80% LVR
Link Not Supplied
Fees & charges apply. Australian Credit Licence 395219. Star Rating for a $500k owner occupier variable rate P+I loan at 80% LVR

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Unsure of a term in the above table? View glossary

The initial results in the table above are sorted by Star Rating (High-Low) , then Comparison rate^ p.a. (Low-High) , then Provider Name (Alphabetical) . Additional filters may have been applied, which impact the results displayed in the table - filters can be applied or removed at any time.

promoted
Fees & charges apply. Australian Credit Licence 237391.
Interest rate p.a.
Comparison rate^ p.a.
Monthly repayment
5.54%
Variable
5.57%
$2,852
Principal & Interest
IMB Bank Budget Home Loan
Enjoy up to $4,000 cashback when you switch your eligible home loan to IMB Bank. Terms and Conditions Apply
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Low Rate Home Loan
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Apply online in minutes!
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Canstar's Most Satisfied Customers - Bank - 2022
Fees & charges apply. Australian Credit Licence 237391. See Terms & Conditions. ^ Comparison Rate Warning. Star Rating for a $500k owner occupier variable rate P+I loan at 80% LVR
Fees & charges apply. Australian Credit Licence 237391. See Terms & Conditions. ^ Comparison Rate Warning. Star Rating for a $500k owner occupier variable rate P+I loan at 80% LVR

About loans.com.au home loans

Launched in 2011, loans.com.au is an online provider of home and car loans. The company offers both variable and fixed rate home loans to residential and investment borrowers, allowing for either principal and interest repayments or interest only repayments. loans.com.au has been recognised as a lender that provides Outstanding Value to borrowers in the variable rate home loan category as part of Canstar’s 2025 Home Loan Awards.

loans.com.au is backed by its parent company Firstmac Limited, a privately-owned home loans and investment lender based in Brisbane.

How to apply for a loans.com.au home loan?

If you’re interested in one of the options in the table above with a ‘More details’ button next to it, you can simply click the button (Canstar may earn a fee in this case). loans.com.au is an online lender, so you can also apply for a home loan online through its website’s online application. If you require any assistance with your application, you can also call the customer support line on 1300 149 081.

After starting your application, you will be invited to book an appointment with a lending specialist to finalise your application.

Frequently Asked Questions about loans.com.au Home Loans

Whether you’re applying for a home loan or just pre-approval, it’s a good idea to have the following documents and information ready:

  • Your credit score. You can check your credit score for free with Canstar or via the Canstar App
  • Proof of identity, typically in the form of photo identification (i.e. driver’s licence or passport)
  • Proof of Income and employment, including pay slips and/or tax returns
  • Your home deposit and savings, generally in the form of bank statements
  • Your day-to-day expenses, generally in the form of bank statements
  • Current debts, such as other loans and/or credit cards
  • Current assets, such as motor vehicles or other property
  • The property you intend to buy or a list of properties you’re interested in purchasing (if applying for pre-approval).

You can also pre-qualify for a loans.com.au home loan on their website. loans.com.au claims the process only takes 2 minutes. You will require the following information during their pre-qualifying process:

  • Type of home loan you’re after
  • If you’ve found a property or when you’re looking to purchase a property
  • How much you would like to borrow
  • The value, or an estimated value, of the property you wish to purchase
  • Number of borrowers (max. two)
  • Your relationship status (if there are two borrowers, the relationship status of the second borrower)
  • Number of dependent children you have
  • Your postcode
  • Your general income (such as gross annual salary, additional income, rental income or non-taxable income)
  • Your monthly expenses
  • Your existing loans, credit or debt
  • Name, phone and email.

loans.com.au typically charges a settlement fee and a property security assessment fee for their home loans. The settlement fee, which is $300 at the time of writing, is deducted from the loan proceeds at settlement. But the security assessment, which is $230 at the time of writing, is non-refundable and payable when the security assessment is ordered.

loans.com.au also states that property security assessments are a compulsory part of their application process. You can contact the lender for further details.

Yes, loans.com.au allows you to make free unlimited extra repayments on its variable rate home loans, and a maximum of $10,000 per year on its fixed rate home loans. Terms and conditions may apply; contact the lender for further details.

Yes, loans.com.au offers a redraw facility at no fee for all customers with a variable rate home loan. loans.com.au says customers can also add an offset sub-account to their variable loan to help maximise their interest savings and access Visa debit card facilities. At the time of writing, having access to this offset account will add an extra 0.10% to the home loan’s interest rate and change its comparison rate.

Note that loans.com.au fixed loans do not have offset or redraw facilities. Contact the lender for further details.

How much your mortgage repayments will be depends on various factors such as your loan interest rate, loan amount, term of the loan, repayment type and repayment schedule. When comparing home loans, you can use Canstar’s mortgage calculator to help estimate your potential home loan repayments.

Knowing what your mortgage repayments will look like can also help you better understand your financial capability as well as liabilities. Using a mortgage calculator can simplify the process of managing your potential home loan.

Use Mortgage Calculator

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Canstar Star Ratings and Awards

Looking for an award-winning product or to switch providers or brands? Canstar rates products based on price and features in our Star Ratings and Awards. Our expert Research team shares insights about which products offer 5-Star value and which providers offer outstanding value overall. We also reveal which providers have the most satisfied customers in our dedicated Customer Satisfaction Awards.

Home Loan Awards  Refinance Home Loan Awards

About the authors

Nina Rinella, Editor-in-Chief

Nina Rinella
As Canstar’s Editor-in-Chief, Nina heads up a team of talented journalists committed to helping empower consumers to take greater control of their finances. Nina has written countless articles about finance and has been interviewed on finance topics by media organisations including The Australian, Realestate.com.au, Domain, the Herald Sun and the Sydney Morning Herald. Previously Nina founded her own agency where she provided content and communications support to clients around Australia for 8 years. She also spent four years as the PR Manager for American Express Australia, and has worked at a Brisbane communications agency where she supported dozens of clients, including Sunsuper and Suncorp. When she’s not dreaming up ways to put a fresh spin on finance, she’s taking her own advice by trying to pay her house off as quickly as possible and raising two money-savvy kids. Nina has a Bachelor of Journalism and a Bachelor of Arts with a double major in English Literature from the University of Queensland. She’s also an experienced presenter, and has hosted numerous events and YouTube series. You can follow her on LinkedIn and Canstar on Facebook. Meet the Canstar Editorial Team. Have a media enquiry, and interested in featuring Nina as a financial expert and commentator? Contact Canstar’s Media Team today.

Joshua Sale, GM, Research

Joshua Sale
Joshua Sale is responsible for developing the methodology and delivering Canstar’s flagship Star Ratings, as part of Canstar’s Research Team. With tertiary qualifications in economics and finance, he enjoys helping Australians find more suitable financial products by transforming complex calculations into a consumer-friendly Star Rating that explains the values and benefits of different financial products. As one of Canstar’s company spokespeople, Joshua is confident participating in print, radio and broadcast journalism interviews. He has participated in interviews with the Australian Financial Review, news.com.au and Money Magazine, along with other leading media outlets, discussing topics such as home loan equity, banking incentive schemes, digital wallets and wider finance trends. You can follow Joshua on LinkedIn. Have a media enquiry, and interested in featuring Joshua as a financial expert and commentator? Contact Canstar’s Media Team today.

Important information

For those that love the detail

This advice is general and has not taken into account your objectives, financial situation or needs. Consider whether this advice is right for you.

Canstar may earn a fee from its Online Partners for referrals from its website tables, and from sponsorship or promotion of certain products. Fees payable by product providers for referrals and sponsorship or promotion may vary between providers, website position, and revenue model. Sponsorship/promotion fees may be higher than referral fees. If a product is sponsored or promoted, it’s an ad and it is clearly marked as such. An ad might appear in different places on our website, such as in comparison tables and articles. Ads may be displayed in a fixed position in a table, regardless of the product's rating, price or other attributes. The location of an ad doesn’t indicate any ranking or rating by Canstar. Payment of fees for ads does not influence our Star Ratings. See How We Get Paid to find out more. Payment of fees for ads does not influence our Star Ratings or Awards.

Home loan Star Ratings are updated daily. During periods of significant market fluctuations, such as adjustments to the reserve bank's cash rate, star rating updates will be paused for variable home loans until the market has stabilised. However, advertised interest rates of products will continue to be updated as advised by lenders. The results don’t include every provider in the market and we may not compare all features relevant to you. Current rates and fees are displayed and may be different to what was rated. You can find a description of the initial sort order below the table. You can use the sort buttons at the top of each column to re-order the display. Learn more about our Home Loans Star Rating Methodology. The rating shown is only one factor to take into account when considering products. The table defaults to display only home loans available to somebody borrowing up to 80% of the property value, but you can use the filters to change this. Similar products might have different features and fees depending on the amount you borrow. Contact the lender for details.

The products and Star Ratings in the table might not match your exact inputs in the selector. Sometimes the methodology uses profiles with categories or bands (e.g. income, loan amount or monthly spend), but sometimes a single methodology, without any categories or bands, is applied.  The results will show the products that most closely match your selection, based on our profiles. If you are unsure about any terms used in the comparison table please refer to the glossary.

What is a Target Market Determination?

A Target Market Determination (‘TMD’) is a document that explains which people particular financial products may be suitable for (the target market) and sets out any conditions around how financial products can be distributed to consumers.

Why do product issuers provide Target Market Determinations?

From 5 October 2021, TMDs are compulsory for most financial products.

Issuers and distributors of financial products must take reasonable steps that are likely to result in financial products reaching consumers in the target market defined by the product issuer.

We recommend that you consider the TMD before making a purchase decision. Contact the product issuer directly for a copy of the TMD.

Any advice on this page is general and has not taken into account your objectives, financial situation or needs. Consider whether this general financial advice is right for your personal circumstances. Canstar provides information about credit products. We’re not suggesting or recommending a particular credit product for you. If you decide to apply for a loan, you will deal directly with the provider, not with Canstar. Consider the Target Market Determination (TMD) before making a purchase decision. Contact the product issuer directly for a copy of the TMD. It’s important you check rates and product information directly with the provider. For more information, read our Detailed Disclosure. ^Read the Comparison Rate Warning.

Canstar is not providing a recommendation for your individual circumstances. We cannot and do not recommend that any particular product is suitable for you. 

We provide links to our Online Partners. These are brands that may pay Canstar a fee for referring you. Our tables default to display only our Online Partners’ products initially, you can adjust the Online Partner Filter to see all of the products available for comparison on Canstar’s website. We provide these links so that you can click through to the product provider’s website to get more information. The provision of these links does not constitute a recommendation by Canstar.

Before you elect to terminate or modify existing lending arrangements, we recommend you consider (i) your personal circumstances, and (ii) any associated fees, exit costs and application costs that may be applicable as well as the impact these changes could have on you. We suggest you consider seeking independent advice from a qualified adviser.

“Interest-only loan” generally means a loan where you will only pay interest during the interest-only term. That means you won’t be making payments which reduce debt during the interest-only term.