loans.com.au home loans

4.0
Based on 675 loans.com.au home loan product reviews.
Fact Checked

100% Australian owned, loans.com.au opened its doors in 2011 with a vision of “making it easier for people to own and invest in property.” It offers a winning combination of low interest rates and a commitment to excellent customer service, catering to home, investment and personal finance borrowers. 

Plus it won a 2023 Mozo Experts Choice Award for best Low Cost Home Loan.

Mozo may receive payment if you click products on our site. We don’t compare the entire market, but you can search our database of 427 home loans using the filters.
Last updated 21 December 2024 Important disclosures and comparison rate warning*
What are your home loan needs?

Your loan-to-value ratio (LVR): 50%

Loan amount and LVR will affect interest rates.

  • 3 Year Special Fixed Home Loan

    • Owner Occupier
    • Principal & Interest
    Interest rate
    5.69 % p.a.
    Fixed 3 years
    Comparison rate
    6.13 % p.a.
    Initial monthly repayment
    $2,899
    No Partner link

  • Fixed Home Loan

    • Owner Occupier
    • Principal & Interest
    Interest rate
    6.04 % p.a.
    Fixed 5 years
    Comparison rate
    6.22 % p.a.
    Initial monthly repayment
    $3,011
    No Partner link

  • Fixed Home Loan

    • Investment
    • Principal & Interest
    Interest rate
    6.44 % p.a.
    Fixed 3 years
    Comparison rate
    6.55 % p.a.
    Initial monthly repayment
    $3,141
    No Partner link

  • 3 Year Fixed SMSF Home Loan

    • LVR <80%
    Interest rate
    7.24 % p.a.
    Fixed 3 years
    Comparison rate
    7.43 % p.a.
    Initial monthly repayment
    $3,407
    No Partner link

  • 2 Year Fixed SMSF Home Loan

    • LVR <80%
    Interest rate
    7.34 % p.a.
    Fixed 2 years
    Comparison rate
    7.48 % p.a.
    Initial monthly repayment
    $3,441
    No Partner link

  • 5 Year Fixed SMSF Home Loan

    • LVR <80%
    Interest rate
    7.39 % p.a.
    Fixed 5 years
    Comparison rate
    7.46 % p.a.
    Initial monthly repayment
    $3,458
    No Partner link

  • Variable Home Loan 90

    • Principal and Interest
    • LVR <90%
    Interest rate
    6.04 % p.a.
    Variable
    Comparison rate
    6.08 % p.a.
    Initial monthly repayment
    $3,011
    No Partner link

  • Investor Package

    • Principal & Interest
    • LVR 80%
    Interest rate
    6.28 % p.a.
    Variable
    Comparison rate
    6.32 % p.a.
    Initial monthly repayment
    $3,088
    No Partner link

  • Variable Investor Home Loan 80

    • Investor
    • Principal and Interest
    • LVR<80%
    Interest rate
    6.34 % p.a.
    Variable
    Comparison rate
    6.31 % p.a.
    Initial monthly repayment
    $3,108
    No Partner link

  • ZIP Home Loan

    • Owner Occupier
    • Principal & Interest
    Interest rate
    6.44 % p.a.
    Variable
    Comparison rate
    6.48 % p.a.
    Initial monthly repayment
    $3,141
    No Partner link

  • Solar Home Loan

    • Owner Occupier
    • Principal & Interest
    • LVR <90%
    Interest rate
    5.99 % p.a.
    Variable for 60 months and then 6.73% p.a.
    Comparison rate
    6.44 % p.a.
    Initial monthly repayment
    $3,208
    No Partner link

  • Green Home Loan

    • Owner Occupier
    • Principal and Interest
    Interest rate
    5.99 % p.a.
    Variable for 60 months and then 6.73% p.a.
    Comparison rate
    6.51 % p.a.
    Initial monthly repayment
    $3,208
    No Partner link

  • Solar Home Loan

    • Investment
    • Principal & Interest
    • LVR <90%
    Interest rate
    6.19 % p.a.
    Variable for 60 months and then 6.73% p.a.
    Comparison rate
    6.53 % p.a.
    Initial monthly repayment
    $3,216
    No Partner link

  • Green Home Loan

    • Investor
    • Principal & Interest
    Interest rate
    6.19 % p.a.
    Variable for 60 months and then 6.73% p.a.
    Comparison rate
    6.58 % p.a.
    Initial monthly repayment
    $3,216
    No Partner link

  • SMSF Home Loan

    • LVR <70%
    Interest rate
    6.99 % p.a.
    Variable
    Comparison rate
    7.01 % p.a.
    Initial monthly repayment
    $3,323
    No Partner link

  • SMSF Home Loan

    • LVR <80%
    Interest rate
    7.49 % p.a.
    Variable
    Comparison rate
    7.51 % p.a.
    Initial monthly repayment
    $3,493
    No Partner link

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loans.com.au home loan ratings

Overall customer rating for loans.com.au home loans

4.0
Based on 675 product reviews.

Customer reviews

Important disclosures

loans.com.au products

Home loan quick links


* 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.

** Initial monthly repayment figures are estimates only, based on the advertised rate. You can change the loan amount and term in the input boxes at the top of this table. Rates, fees and charges and therefore the total cost of the loan may vary depending on your loan amount, loan term, and credit history. Actual repayments will depend on your individual circumstances and interest rate changes.

^See information about the Mozo Experts Choice Home Loan Awards

Mozo provides general product information. We don't consider your personal objectives, financial situation or needs and we aren't recommending any specific product to you. You should make your own decision after reading the PDS or offer documentation, or seeking independent advice.

While we pride ourselves on covering a wide range of products, we don't cover every product in the market. If you decide to apply for a product through our website, you will be dealing directly with the provider of that product and not with Mozo.