loans.com.au Smart Loan Fixed (Package)

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 owner occupier taking out a interest only loan between $50,000 and $1,000,000 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%

The details shown below are for an investor taking out a interest only loan between $50,000 and $1,000,000 with an LVR below 80%

Choose the version of loan that suits you best

  • Owner Occupier (Principal & Interest)

    LVR < 90%

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

  • Owner Occupier (Interest Only)

    LVR < 80%

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

  • Investor (Principal & Interest)

    LVR < 90%

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

  • Investor (Interest Only)

    LVR < 80%

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

3.99% p.a.

3.80% p.a.

$0.00

loans.com.au Smart Loan Fixed (Package)

3.99% p.a.

3.80% p.a.

$0.00

3.99% p.a.

3.80% p.a.

$0.00

loans.com.au Smart Loan Fixed (Package)

3.99% p.a.

3.80% p.a.

$0.00

3.99% p.a.

4.31% p.a.

$0.00

loans.com.au Smart Loan Fixed (Package)

3.99% p.a.

4.31% p.a.

$0.00

3.99% p.a.

4.31% p.a.

$0.00

loans.com.au Smart Loan Fixed (Package)

3.99% p.a.

4.31% p.a.

$0.00

Details

Rates and fees information correct as at 20 October 2018.

Rates
  • p.a.

  • p.a.

  • 0 Months

  • none

  • (*)

  • 3.89% (3.78%*)

  • 3.99% (3.80%*)

  • (*)

  • (*)

  • (*)

  • (*)

  • 3.72% p.a.

Fees
  • $0.00

  • $0.00

  • $220.00

  • $300.00

  • none

  • $0.00

  • $0.00

Other financial bits
  • $50,000

  • $1,000,000

  • none

  • 90.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free up to $10,000 p.a.

  • no

  • no

  • none

  • yes

  • no

  • $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 20 October 2018.

Rates
  • p.a.

  • p.a.

  • 0 Months

  • none

  • (*)

  • 3.89% (3.80%*)

  • 3.99% (3.80%*)

  • (*)

  • (*)

  • (*)

  • (*)

  • 3.72% p.a.

Fees
  • $0.00

  • $0.00

  • $220.00

  • $300.00

  • none

  • $0.00

  • $0.00

Other financial bits
  • $50,000

  • $1,000,000

  • none

  • 80.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free up to $10,000 p.a.

  • no

  • no

  • none

  • yes

  • no

  • $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 20 October 2018.

Rates
  • p.a.

  • p.a.

  • 0 Months

  • none

  • (*)

  • 3.89% (4.32%*)

  • 3.99% (4.31%*)

  • (*)

  • (*)

  • (*)

  • (*)

  • 4.37% p.a.

Fees
  • $0.00

  • $0.00

  • $220.00

  • $300.00

  • none

  • $0.00

  • $0.00

Other financial bits
  • $50,000

  • $1,000,000

  • none

  • 90.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free up to $10,000 p.a.

  • no

  • no

  • none

  • yes

  • no

  • Investment loan must be packaged with Owner Occupied to receive discounted rates. $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 20 October 2018.

Rates
  • p.a.

  • p.a.

  • 0 Months

  • none

  • (*)

  • 3.89% (4.32%*)

  • 3.99% (4.31%*)

  • (*)

  • (*)

  • (*)

  • (*)

  • 4.37% p.a.

Fees
  • $0.00

  • $0.00

  • $220.00

  • $300.00

  • none

  • $0.00

  • $0.00

Other financial bits
  • $50,000

  • $1,000,000

  • none

  • 80.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free up to $10,000 p.a.

  • no

  • no

  • none

  • yes

  • no

  • Investment loan must be packaged with Owner Occupied to receive discounted rates. $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
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.

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*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.