Who is loans.com.au?

loans.com.au is an award-winning online lender that is proudly Australian and based in the heart of Brisbane, with offices in other capital cities.

Are you safe?

loans.com.au is financially strong, conservatively managed, and regulated by the Australian government.

Our operations are covered by the National Consumer Credit Protection Act which is enforced by the consumer watchdog, the Australian Securities and Investments Commission.

Where do you get your money?

Our associate company Firstmac issues securities, called Residential Mortgage Backed Securities (RMBS), to Australian and international institutions and investors. The Australian major banks are large investors in our RMBS which reflects the confidence of major investors in our business. Since 2003, Firstmac has issued over $20 billion in RMBS.


Why are your rates so cheap –
is there a catch?

We can offer super-low rates because our online model is so efficient.

The onTrack advantage

onTrack is our innovative online portal which allows you to complete your home loan application entirely on your handheld device or computer from initial contact through to settlement and beyond. Using onTrack means that you are able to complete your loan application in your own time. You don't have to wait for a bank branch to open to complete your home loan!

onTrack allows you to download all required forms and documents as well as allowing you to book an appointment with one of our specialist loan specialists at a time that suits you. You can securely submit your forms and supporting documents.


Once I am in will you hike up my rate?

Once I am in will you hike up my rate?

At loans.com.au we pride ourselves on having great rates and we try to keep our rates as low as possible for all our customers. However, we still have to change our variable rates in response to changes in our funding costs.

In a falling interest rate environment we don’t hesitate to cut rates for existing customers. For instance, between November 2011 and April 2017 we cut rates for existing customers in our largest loan category – owner occupiers with Principal & Interest loans - 12 times, and only raised them 3 times. They joined on a great rate and found themselves on an even lower rate!

It's as easy as 1,2,3...

loans.com.au makes borrowing simple so you can refinance your mortgage online with confidence.

Go from application to settlement in three easy steps.

Here's how to lock in a super-low-rate home loan, super-fast.



Apply online or on the phone with one of our Australian-based loan specialists.


onTrack to Approved

It is easy for you to track your application to approval, receive your loan documents and set up online services with our award winning onTrack app.


Settle and Save

We do everything required for the loan settlement, so you can start saving money.

Our awards

loans.com.au is a highly-awarded lender that has been recognised by industry experts.

Award - Mozo Experts Choice 2018 - Investor Home Loan

Customer reviews


Excellent communication

Quick efficient, no fuss, and excellent communication.

- Byron Y. , January 06, 2021

Second time coming back for a car loan

They offer competitive interest rates without any unreasonable fees. The service is quick and efficient, and the team members are super helpful and polite. This time it was Adrienne who helped me out and was there with me every step of the way to explain everything. Thank you so much!

- Pranita P. , January 06, 2021

$50,000 is our minimum borrowing amount for a home loan.
$2,000,000 is our maximum borrowing amount for a home loan.
$1,000,000 is our maximum borrowing amount for a construction loan.
The maximum borrowing amount for a deposit less than 20% is $1,000,000
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Award winning home loans
2018 Mozo Expert's Choice Home Loan Awards
2018 Mozo Expert's Choice Home Loan Awards
Award winning home loans
2018 Mozo Expert's Choice Home Loan Awards
2018 Mozo Expert's Choice Home Loan Awards
2018 CANSTAR 5 Star Rating Outstanding Value
It's as easy as 1, 2, 3...
Apply 1
onTrack to approved 2
Settle & save 3