loans.com.au home loans

Being an online-only lender means loans.com.au customers don’t have access to a branch network. However, loans.com.au offers plenty of flexible and convenient contact options like online live chat. In addition, loan customers can contact the loans.com.au customer support line 7 days a week or can request a call back using the online enquiry form. Customers also have the option of emailing customer care directly. 

✓     Customer service centre (phone)

✓     Mobile app

✓     Online banking

✓     Email

✓     Live Chat

Borrowers keen to apply for a loans.com.au home loan can do so by filling out an online application form or calling the bank’s loan hotline. 

Before applying for a loans.com.au home loan, consider what you can afford to borrow and what other costs you need to include. 

To apply for a loan with loans.com.au, you will need to supply the following information:

• Personal identity information.
• Proof of income and employment.
• Bank statements
• Details of your current debts, liabilities and assets

Once you have filled out the initial information, you'll be put in touch with an online lending manager to finalise your loan. 

loans.com.au is an online-only lender, known for offering competitive interest rates. A potential customer would need to be comfortable managing their mortgage online or over the phone. Options are available for borrowers looking to buy, refinance or build a property, either as a home to live in or an investment property.  

The interest rates on loans.com.au home loans are generally lower for owner-occupiers than they are for investors. Generally, if you have a lower loan-to-value ratio (LVR), or choose a home loan with fewer features, (e.g. without an offset account), your interest rate may be lower. As well as variable rates, options are available to fix your rate for up to three years.

Many of loans.com.au’s home loans are available without upfront or ongoing fees, though a rate lock fee applies for fixed rate loans, and other charges may apply.

loans.com.au home loans allow borrowers to make extra repayments, though there are limits for fixed rate loans. Redraw facilities are also available for selected loans, as is the option to split the loan between fixed and variable interest rates. An offset account is only available on selected home loans.