What home loans are available at loans.com.au?


Available via loans.com.au

Owner-occupier home loan

Investor home loan

Fixed rate home loans

Variable rate home loans


Low doc home loan

Green home loans

Construction loans

95% LVR home loans

Bridging loans

Home loans with offset accounts

✔ (redraw offset with debit card)

Home loans with redraws

Cashback offers

Digital home loans

Green home loans

Like many lenders, loans.com.au has discounted rates available for new properties that meet energy efficiency standards. To qualify for a Green home loan, the property you are purchasing needs to be less than 12 months old, and have a Nationwide House Energy Rating Scheme (NatHERS) rating of at least 7 out of 10 stars. These ratings are based on information about the home’s design, materials and construction, as well as the layout and surrounding climate.

Construction home loans

loans.com.au also offer loans for constructing a new property.

Prior to construction

As well as the usual home loan application details, customers need to demonstrate the following before applying for a construction loan:

  • The land purchase has been finalised

  • A building contract is in place, with plans and a licensed builder

  • A building insurance policy has been taken out

During construction

loans.com.au allows construction loans to be drawn down gradually over the course of the construction process. Borrowers may receive the funds for each stage of the construction process as they occur.

loans.com.au also allow the option to switch to interest only repayments for the duration of the construction process. However, you should remember that interest only loans typically cost more overall, because you continue to accrue interest on the principal even while you aren’t paying it back.


The following additional fees can apply, on top of the other home loan costs:

Construction admin fee


Construction assessment progress fee


loans.com.au Home Loan review

Responsible lending at loans.com.au

Since loans.com.au is not an Authorised Deposit-taking Institution (ADI), it does not have to follow the 3% serviceability buffer mandated by APRA, increasing customers' borrowing power. However, loans.com.au still practices responsible lending, so will assess a borrowers income, expenses and debts to make a judgement on their capability to repay the loan.

loans.com.au does not write loans where the LVR exceeds 90%.

Cashback offer

Some home loan applicants with loans.com.au could be eligible for a cashback offer in return for their business. For loans between $250,000 and $700,000, the cashback is $2,000, while those who borrow more than $700,000 could benefit from $4,000.

This applies to owner occupied variable home loans, when a borrower is referred to loans.com.au through one of the following websites:

Approval time

loans.com.au generally has a turnaround time of two-three days, providing all relevant documents were provided. However, Managing Director Marie Mortimer says this also depends on the borrower.

“It's important to note that this is not a 'one size fits all' number, and the approval time will depend on each individual applicant's circumstances,” Ms Mortimer told Infochoice Group.


As an online lender, loans.com.au has fewer regular fees than more conventional competitors. There are no application fees, nor monthly or annual account keeping costs.

These are some of the charges that could apply:


Settlement fee


Security assessment fee


Cost for metro areas where property is valued under $1 million.

Discharge fee


Discharge documentation fee