Click Loans home loans

Click Loans

Founded in 2015, Click Home Loans is a fully online, Australian-owned lender aimed at providing “Aussie home owners with a great online home loan experience.” Headquartered in Sydney and funded by Macquarie and Pepper Money, Click Home Loans is able to offer its customers lower rates and fees on their loans by keeping their operations online.

Rates and fees verified as correct at 22 October, 2020. Other information correct at the time of writing.

What home loans do Click Loans offer?

Variable Rate Home Loans Variable Rate Home Loans

Click Loans offer two types of online variable rate home loans - one for owner occupiers and the other for investors. The owner occupier variable loan starts with a minimum loan value of $100,000, while the investor variable loan has a minimum loan amount of $150,000 and both have a maximum loan value of $2,000,000. While Click Loans doesn’t offer a split loan option, customers will be able to open an offset account for a $198 annual fee and owner occupiers will even be able to make additional payments on their home loans for free (up to $10,000 a year).

Home loan repayments calculator
Product Rate Comparison Rate* Service fee Upfront fee Monthly repayments ‡

3.70% p.a.

3.70% p.a.



3.98% p.a.

3.98% p.a.




*WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

‡ Results from this calculation are estimates only as individual lenders apply different formulas. Actual repayments will depend on your individual circumstances and interest rate changes.

Click Loans home loan features in a glance

Fast online applicationsFast online applications

 Applying for a Click Loans home loan is simple, with an online application process that can be finished in just 30 minutes. But if that’s not your cup of tea, they can even arrange a phone or in-person meeting.

Extra repaymentsExtra repayments

With either of Click Loans home loan offers you’ll be able to pay off your loan faster by making extra repayments, although repayments are capped at $10,000 a year for owner occupiers.

Flexible repaymentsFlexible repayments

You’ll be able to pay for your home loan on a schedule that suits you, with both fortnightly and monthly repayment options.   

Offset accountOffset account

With a Click Loans home loan you’ll be able to reduce the interest you pay on your loan by depositing your savings in an offset account, although it does come with an $189 annual fee.

What do you need to apply for a Click Loans home loan? What do you need to apply for a Click Loans home loan?

Think a home loan from Click Loans could be right for you? Before you jump online to start an application you may need some of these details and documents (but bear in mind that the information you will need to provide depends on your specific situation):

  • Employment status and proof of income: that’s from you, or from you and your partner if you're applying together.
  • Records of your personal finances: including expenses, debt and any assets you may have.
  • Proof of ID: this could include your current driver's licence, medicare card or passport.

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