loans.com.au Offset Variable

3.72% p.a.

3.74% p.a.

$0.00

4.07% p.a.

4.09% p.a.

$0.00

4.04% p.a.

4.06% p.a.

$0.00

4.37% p.a.

4.39% p.a.

$0.00

4.37% p.a.

4.39% p.a.

$0.00

4.49% p.a.

4.51% p.a.

$0.00

Currently showing

Rates

  • 3.72% p.a.

  • n/a

  • 0 Months

  • none

  • 3.74% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees

  • $0.00

  • $0.00

  • $220.00

  • $300.00

  • none

  • $0.00

  • $0.00

Other financial bits

  • $50,000

  • $2,000,000

  • none

  • 80.00%

Features

  • Owner Occupier

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes - free

  • $0.00

  • yes

  • yes

  • $300 discharge fee and $250 discharge documentation fee applicable if loan doesnt go to full term.

  • none

Rates

  • 4.07% p.a.

  • n/a

  • 0 Months

  • none

  • 4.09% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees

  • $0.00

  • $0.00

  • $220.00

  • $300.00

  • none

  • $0.00

  • $0.00

Other financial bits

  • $50,000

  • $2,000,000

  • none

  • 80.00%

Features

  • Owner Occupier

  • Interest Only

  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes - free

  • $0.00

  • yes

  • yes

  • $300 discharge fee and $250 discharge documentation fee applicable if loan doesnt go to full term.

  • none

Rates

  • 4.04% p.a.

  • n/a

  • 0 Months

  • none

  • 4.06% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees

  • $0.00

  • $0.00

  • $220.00

  • $300.00

  • none

  • $0.00

  • $0.00

Other financial bits

  • $50,000

  • $1,000,000

  • 80.00%

  • 90.00%

Features

  • Owner Occupier

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes - free

  • $0.00

  • yes

  • yes

  • $300 discharge fee and $250 discharge documentation fee applicable if loan doesnt go to full term.

  • none

Rates

  • 4.37% p.a.

  • n/a

  • 0 Months

  • none

  • 4.39% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees

  • $0.00

  • $0.00

  • $220.00

  • $300.00

  • none

  • $0.00

  • $0.00

Other financial bits

  • $50,000

  • $2,000,000

  • none

  • 80.00%

Features

  • Investor

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes - free

  • $0.00

  • yes

  • yes

  • $300 discharge fee and $250 discharge documentation fee applicable if loan doesnt go to full term.

  • none

Rates

  • 4.37% p.a.

  • n/a

  • 0 Months

  • none

  • 4.39% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees

  • $0.00

  • $0.00

  • $220.00

  • $300.00

  • none

  • $0.00

  • $0.00

Other financial bits

  • $50,000

  • $2,000,000

  • none

  • 80.00%

Features

  • Investor

  • Interest Only

  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes - free

  • $0.00

  • yes

  • yes

  • $300 discharge fee and $250 discharge documentation fee applicable if loan doesnt go to full term.

  • none

Rates

  • 4.49% p.a.

  • n/a

  • 0 Months

  • none

  • 4.51% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees

  • $0.00

  • $0.00

  • $220.00

  • $300.00

  • none

  • $0.00

  • $0.00

Other financial bits

  • $50,000

  • $1,000,000

  • 80.00%

  • 90.00%

Features

  • Investor

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes - free

  • $0.00

  • yes

  • yes

  • $300 discharge fee and $250 discharge documentation fee applicable if loan doesnt go to full term.

  • none

About loans.com.au

100% Australian owned, loans.com.au opened its doors in 2010 with a vision of "making it easier for people to own and invest in property". loans.com.au offers a winning combination of low interest rates and fees and a commitment to excellent customer service. loans.com.au runs its own call centre and caters to home, investment and personal finance borrowers.

How are loans.com.au home loans rated by the Mozo community?

Product Type Overall Rating Price Features Service Convenience Trust
7.2

Based on 202
loans.com.au home loans reviews

8.7 7.8 6.9 6.3 6.6

Read loans.com.au home loan reviews by the Mozo community

Latest reviews of loans.com.au Offset Variable

loans.com.au

loans.com.au Offset Variable 80 (Owner Occupier, Principal & Interest) home loan review

Overall rating   10 / 10

Easy application, great rates, great service.

It was great to be able to assess whether or not we were eligible for a loan online, without having anyone calling us to hassle us. The application process was all online and therefore painless, the rates are excellent. The loan is basic, with...

Full review

It was great to be able to assess whether or not we were eligible for a loan online, without having anyone calling us to hassle us. The application process was all online and therefore painless, the rates are excellent. The loan is basic, with an offset account attached to a debit card, so we're not having to put up with all the 'bells and whistles' that we're not interested in.

    Price   10 / 10

    Features   5 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Dianne (QLD), reviewed about 2 years ago

loans.com.au

loans.com.au Offset Variable 80 (Owner Occupier, Principal & Interest) home loan review

Overall rating   0 / 10

Do Not Even Contemplate Using

We contacted loans.com.au to refinance a home loan. We are both in our 50's and from a previous conversation prior to putting in an application were told there would not be any descrimination on age. WRONG! BEWARE - when putting in an...

Full review

We contacted loans.com.au to refinance a home loan. We are both in our 50's and from a previous conversation prior to putting in an application were told there would not be any descrimination on age. WRONG! BEWARE - when putting in an application and then speaking with a consultant make them do a preliminary approval BEFORE allowing them to do a credit check. We were hoodwinked and misled and they did the credit check before doing their homework first and advise us if they could help us. As it turns out they are descriminating on our age and would only lend for a 16 year term. Worse still we now have an inquiry on our file we did not want because they do not give a sh##. I am seriously thinking about going to COSL and the FBAA - this is a practice that needs to be stopped. Every borrower needs to know where they stand before credit checks are done and placed on credit files. What even got under our skin more the woman clearly did not care less. Just an "oh well" attitude. Our recommendation is find a good broker who actually cares and avoid this lender.

    Price   5 / 10

    Features   5 / 10

    Customer service   0 / 10

    Convenience   5 / 10

    Trust   0 / 10

Less

Irked off (NSW), reviewed over 2 years ago

loans.com.au

loans.com.au Offset Variable 80 (Owner Occupier, Principal & Interest) home loan review

Overall rating   7 / 10

The best rates with great online facility

The most competitive rates in the market, they have a very efficient and simple offset facility. They do not have physical banks, they have an arrangement with other entities in the banking sector to meet physical bank requirements.

Full review

The most competitive rates in the market, they have a very efficient and simple offset facility. They do not have physical banks, they have an arrangement with other entities in the banking sector to meet physical bank requirements.

    Price   8 / 10

    Features   7 / 10

    Customer service   7 / 10

    Convenience   7 / 10

    Trust   7 / 10

Less

Steve (QLD), reviewed over 2 years ago

loans.com.au

loans.com.au Offset Variable 80 (Owner Occupier, Principal & Interest) home loan review

Overall rating   8 / 10

Remarkable rates, adequate service

This was a straight refinance of investment properties. There were some issues along the way (~3 months to settlement), but I could see much of the delay was caused by my prior lender. The interest rate was easily 1% less than what I was paying...

Full review

This was a straight refinance of investment properties. There were some issues along the way (~3 months to settlement), but I could see much of the delay was caused by my prior lender. The interest rate was easily 1% less than what I was paying elsewhere which is remarkable. After 4 months with them it's smooth sailing and great rates so I'd highly recommend these folks. But if you have a complicated or time-urgent settlement then this may not work for you.

    Price   10 / 10

    Features   7 / 10

    Customer service   6 / 10

    Convenience   3 / 10

    Trust   5 / 10

Less

Bruce (WA), reviewed over 2 years ago

loans.com.au

loans.com.au Offset Variable 80 (Owner Occupier, Principal & Interest) home loan review

Overall rating   7 / 10

Cheap loan - long process - too many fees

On top up mortgages they will still want to have your house re valued - borrowed an extra 20,000 and took 4 weeks - drove me nuts. They should also offer a credit card.

Full review

On top up mortgages they will still want to have your house re valued - borrowed an extra 20,000 and took 4 weeks - drove me nuts. They should also offer a credit card.

    Price   7 / 10

    Features   7 / 10

    Customer service   4 / 10

    Convenience   5 / 10

    Trust   5 / 10

Less

Maree (VIC), reviewed almost 3 years ago

Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers. Reviewers may receive a voucher from Mozo in exchange for their review. Vouchers are given to all reviewers who meet our review guidelines regardless of the sentiment of their reviews.

*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.

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