Your selected home loans
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.
Affordable home loan rate for buyers or refinancers. No monthly or ongoing fees. Option to add an offset for 0.10%. Access to savings with unlimited redraws available. Minimum 10% deposit required.
Enjoy a competitive rate on your SMSF home loan with Loans.com.au. Available for refinancers only. No application fee and no settlement fee. No monthly, annual or ongoing fees. Unlimited extra repayments. Online access via Smart Money App. 30% deposit required.
Enjoy a competitive rate on your SMSF home loan with Loans.com.au. Available for purchase and refinance. No application fee and no settlement fee. No monthly, annual or ongoing fees. Unlimited extra repayments. Online access via Smart Money App. 20% deposit required.
Your selected home loans
The product is good and rates are competitive. They are difficult to work with if you want to change products. They don't call at booked times and find the hour difference with Queensland and New South Wales a challenge.
It was a smooth transition to refinance my SMSF home loan. They explained everything and customer service was helpful in the phone with queries.
I have taken out 8 home loans in my lifetime. Dealing with loans.com.au for my home loan was an incredibly painful experience. From the very beginning, their processes seemed to be stuck in the Stone Age. The amount of paperwork and red tape they put me through was beyond frustrating. It felt like every step of the application process was met with unnecessary obstacles and delays. I found myself constantly having to follow up and provide the same information repeatedly, which wasted valuable time and energy. Their lack of streamlined procedures only added to the mounting stress of purchasing a home. Moreover, the communication from their team was severely lacking. I often had to chase them for updates and information, and even then, their responses were vague and unhelpful. It was evident that they didn't prioritise effective communication with their clients.
We needed to re finance and our normal bank rejected us due to the area we were in, apparently ,blacklisted was the term. Loans.com were easy to approach, fast and great to deal with. Highly recommend.
You can get trapped with an old loan and pay a lot more than new customers they do not do internal refinancing, they are difficult to contact and at time of writing this my online account messaging system does not work and my account details have disappeared, have been on phone and every call has been a 30 min plus wait. Sorry there are no pros, just a headache and stress.
* 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
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