Loans.com.au Home Loan Rates

Online

Active products

Lowest variable

6.74%

Lowest fixed

7.19%

Lowest comparison

6.76%

Last updated

26 July 2026

loans.com.au is the online-direct brand of Firstmac, one of Australia's largest non-bank lenders. Direct-to-consumer only, with sharp variable and fixed pricing for PAYG owner-occupiers and investors, no branch network, and a fully-online application flow. Long-running market position as a price-leader on prime refinances.

What is the lowest Loans.com.au home loan rate?

The lowest Loans.com.au variable home loan rate Ratesniffers tracks is 6.74% p.a., and the lowest fixed rate is 7.19% p.a. These figures come from the 8 Loans.com.au products on this page, ranked by comparison rate, last verified 26 July 2026.

How many home loan products does Loans.com.au offer?

Ratesniffers currently tracks 8 Loans.com.au home loan products across variable, fixed and interest-only options for owner-occupiers and investors. Every rate is ranked by comparison rate, the ASIC-mandated figure that folds in most fees, so the genuinely cheapest products sit at the top.

0 Loans.com.au home loan products

No active products surfaced. This lender may have paused new lending or recently been removed from our index, check back tomorrow.

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Advertised rates aren't always the rate Loans.com.au actually approves. Our broker negotiates against your specific scenario, no fee.

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Who is Loans.com.au?

loans.com.au is one of Australia's longest-running online-only lenders, fully owned and funded by Firstmac, a privately owned Australian non-bank lender with more than 40 years of history, around 130,000 home loans written and over $14 billion in mortgages under management.

With no branches to fund, it competes almost entirely on price and digital service, and its variable rates regularly appear near the top of comparison tables.

Who suits a Loans.com.au home loan?

loans.com.au tends to suit rate-focused borrowers with straightforward applications who are comfortable doing everything online. As a non-bank it cannot offer deposit accounts and its credit policy favours clean scenarios, so complex incomes may be better served elsewhere; check its live position in the table above.

Background facts checked 21 July 2026. Rates above refresh independently.

Loans.com.au home loans: frequently asked questions

What is the lowest Loans.com.au home loan rate?

Loans.com.au's lowest variable home loan rate is currently 6.74% p.a., and its lowest fixed rate is 7.19% p.a., based on the 8 Loans.com.au products Ratesniffers ranks by comparison rate, last verified 26 July 2026. The advertised rate isn't always the rate Loans.com.au approves, a broker can often negotiate a sharper deal on your scenario.

How does Loans.com.au's home loan rate compare to the market?

Loans.com.au's lowest variable home loan rate today is 6.74% p.a., which is 65 basis points above the market median of 6.09% p.a., so there are sharper variable rates available elsewhere today, and it's worth comparing or asking Loans.com.au to match a lower rate. This is computed daily from the live rates across the lenders Ratesniffers tracks, so it reflects where Loans.com.au sits right now rather than a fixed snapshot.

How many home loan products does Loans.com.au offer?

Is Loans.com.au competitive for refinancing?

It depends on your loan size and LVR. Loans.com.au's lowest comparison rate is currently 6.76% p.a., worth checking against the wider market before you switch. On a $500,000 loan, even a 0.30% p.a. difference is about $100 a month, so comparing Loans.com.au against the sharpest available rate usually pays off.

How often are Loans.com.au's home loan rates updated?

Ratesniffers last verified Loans.com.au's home loan rates on 26 July 2026. Rates can change whenever Loans.com.au reprices or the RBA moves the cash rate, so always confirm the current rate with the lender before acting.

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