loans.com.au Offset Variable

The details shown below are for an owner occupier taking out a principal & interest loan between $50,000 and $2,000,000 with an LVR below 80%

The details shown below are for an owner occupier taking out a interest only loan between $50,000 and $2,000,000 with an LVR below 80%

The details shown below are for an owner occupier taking out a principal & interest loan between $50,000 and $1,000,000 with an LVR below 90%

The details shown below are for an investor taking out a principal & interest loan between $50,000 and $2,000,000 with an LVR below 80%

The details shown below are for an investor taking out a interest only loan between $50,000 and $2,000,000 with an LVR below 80%

The details shown below are for an investor taking out a principal & interest loan between $50,000 and $1,000,000 with an LVR below 90%

Choose the version of loan that suits you best

  • Owner Occupier (Principal & Interest)

    LVR < 80%

    Loan: $50,000 $2,000,000

  • Owner Occupier (Interest Only)

    LVR < 80%

    Loan: $50,000 $2,000,000

  • Owner Occupier (Principal & Interest)

    LVR 80%-90%

    Loan: $50,000 $1,000,000

  • Investor (Principal & Interest)

    LVR < 80%

    Loan: $50,000 $2,000,000

  • Investor (Interest Only)

    LVR < 80%

    Loan: $50,000 $2,000,000

  • Investor (Principal & Interest)

    LVR 80%-90%

    Loan: $50,000 $1,000,000

3.72% p.a.

3.74% p.a.

$0.00

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

loans.com.au Offset Variable

4.07% p.a.

4.09% p.a.

$0.00

4.04% p.a.

4.06% p.a.

$0.00

loans.com.au Offset Variable

4.04% p.a.

4.06% p.a.

$0.00

4.37% p.a.

4.39% p.a.

$0.00

loans.com.au Offset Variable

4.37% p.a.

4.39% p.a.

$0.00

4.37% p.a.

4.39% p.a.

$0.00

loans.com.au Offset Variable

4.37% p.a.

4.39% p.a.

$0.00

4.49% p.a.

4.51% p.a.

$0.00

loans.com.au Offset Variable

4.49% p.a.

4.51% p.a.

$0.00

Details

Rates and fees information correct as at 12 December 2018. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
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

*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.

Details

Rates and fees information correct as at 12 December 2018. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
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

*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.

Details

Rates and fees information correct as at 12 December 2018. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
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

*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.

Details

Rates and fees information correct as at 12 December 2018. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
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

*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.

Details

Rates and fees information correct as at 12 December 2018. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
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

*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.

Details

Rates and fees information correct as at 12 December 2018. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
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

*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.

Customer Reviews

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

Overall customer rating
8.2/10
Price
9.1/10
Features
8.2/10
Customer service
7.9/10
Convenience
7.3/10
Trust
7.7/10

Latest reviews of loans.com.au Offset Variable

  • Overall
    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...

    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

    Dianne | Queensland

    reviewed over 2 years ago

  • Overall
    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...

    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

    Irked off | New South Wales

    reviewed over 2 years ago

  • Overall
    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....

    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

    Steve | Queensland

    reviewed almost 3 years ago

  • Overall
    8/10
    Remarkable rates, adequate service

    This was a straight refinance of investment properties. There were some issues along the way (~3...

    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

    Bruce | Western Australia

    reviewed about 3 years ago

  • Overall
    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...

    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

    Maree | Victoria

    reviewed about 3 years ago

loans.com.au

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.

See loans.com.au home loans

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Fixed Home Loan

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3.86% p.a.

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Essentials Variable

3.64% p.a.

3.66% p.a.

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Smart Loan (Package)

3.97% p.a.

3.99% p.a.

$0.00

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Smart Loan Fixed (Package)

p.a.

3.80% p.a.

$0.00

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ZIP Home Loan

3.68% p.a.

3.70% p.a.

$0.00

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Essentials Variable

3.64% p.a. variable

3.66% p.a.

$520

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HSBC

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Home Value Loan

3.59% p.a. variable

3.61% p.a.

$150

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UHomeLoan - Offer

3.59% p.a. variable

3.59% p.a.

$0

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Queensland Country Credit Union

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Discount Ultimate Home Loan (Package)

3.61% p.a. variable

3.97% p.a.

$0

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Well Home Loans

Well Home Loans

Well Balanced

3.49% p.a. variable

3.53% p.a.

$600

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Bank Australia

Bank Australia

Basic Home Loan

3.65% p.a. variable

3.66% p.a.

$0

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Homestar

Homestar

Variable Rate Loan

3.54% p.a. variable

3.59% p.a.

$567

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Virgin Money

Virgin Money

Reward Me Variable Rate Home Loan

3.68% p.a. variable

3.82% p.a.

$150

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Essentials Variable

3.64% p.a.

3.66% p.a.

$520

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Newcastle Permanent

Newcastle Permanent

Variable Home Loan (Premium Plus Package)

3.99% p.a.

4.38% p.a.

$0

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HSBC

HSBC

Home Value Loan

3.59% p.a.

3.61% p.a.

$150

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Bank Australia

Bank Australia

Basic Home Loan

3.65% p.a.

3.66% p.a.

$0

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UBank

UBank

UHomeLoan - Offer

3.59% p.a.

3.59% p.a.

$0

Promoted

Homestar

Homestar

Variable Rate Loan

3.54% p.a.

3.59% p.a.

$567

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Well Home Loans

Well Home Loans

Well Balanced

3.49% p.a.

3.53% p.a.

$600

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NAB

NAB

Base Variable Rate Home Loan

3.87% p.a.

3.91% p.a.

$600

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Smart Loan Fixed (Package)

3.99% p.a.
fixed 3 years

4.31% p.a.

$520

Promoted

Newcastle Permanent

Newcastle Permanent

Fixed Rate Home Loan

4.04% p.a.
fixed 3 years

4.84% p.a.

$0

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UBank

UBank

UHomeLoan (Fixed)

3.74% p.a.
fixed 3 years

4.01% p.a.

$395

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Virgin Money

Virgin Money

Reward Me Fixed Rate Home Loan

3.87% p.a.
fixed 3 years

4.02% p.a.

$150

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Bank Australia

Bank Australia

Basic Home Loan (Fixed)

3.89% p.a.
fixed 3 years

3.91% p.a.

$0

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Well Home Loans

Well Home Loans

Well Balanced Fixed

3.83% p.a.
fixed 3 years

3.62% p.a.

$600

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NAB

NAB

Tailored Home Loan (Fixed, Choice Package)

3.99% p.a.
fixed 3 years

4.86% p.a.

$0

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Beyond Bank

Beyond Bank

Fixed Rate Total Home Loan (Package)

3.83% p.a.
fixed 3 years

4.89% p.a.

$0

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loans.com.au

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Essentials Variable

3.64% p.a.

3.66% p.a.

$0.00

Promoted

HSBC

HSBC

Home Value Loan

3.59% p.a.

3.61% p.a.

$0.00

Promoted

UBank

UBank

UHomeLoan - Offer

3.59% p.a.

3.59% p.a.

$0.00

Promoted

Queensland Country Credit Union

Queensland Country Credit Union

Discount Ultimate Home Loan (Package)

3.61% p.a.

3.97% p.a.

$350.00 yearly

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Well Home Loans

Well Home Loans

Well Balanced

3.49% p.a.

3.53% p.a.

$0.00

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Bank Australia

Bank Australia

Basic Home Loan

3.65% p.a.

3.66% p.a.

$0.00

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Homestar

Homestar

Variable Rate Loan

3.54% p.a.

3.59% p.a.

$0.00

Promoted

Virgin Money

Virgin Money

Reward Me Variable Rate Home Loan

3.68% p.a.

3.82% p.a.

$10.00 monthly

*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.