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 are Loans.com.au home loan rates?
Loans.com.au home loan rates are in the live table on this page, ranked by comparison rate, with the lowest variable rate currently 5.94% p.a. and the lowest fixed rate currently 7.19% p.a., last verified 30 Aug 2026. Compare Loans.com.au against the wider market on home loan rates, check the comparison rate used to rank the table, or model extra payments with the extra repayments calculator.
What is the lowest Loans.com.au home loan rate?
The lowest Loans.com.au variable home loan rate Ratesniffers tracks is 5.94% p.a., and the lowest fixed rate is 7.19% p.a. These figures come from the 9 Loans.com.au products on this page, ranked by comparison rate, last verified 30 Aug 2026.
How many home loan products does Loans.com.au offer?
Ratesniffers currently tracks 9 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.
9 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.
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 46 years of history, around 130,000 home loans written and over $21 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 28 August 2026. Rates above refresh independently.
Loans.com.au home loans: frequently asked questions
What are Loans.com.au home loan rates?
Loans.com.au home loan rates are in the live table on this page. The lowest variable rate Ratesniffers ranks is currently 5.94% p.a., and the lowest fixed rate is 7.19% p.a., last verified 30 Aug 2026. Compare Loans.com.au against the wider market at /home-loans. The /guides/comparison-rate explains the fee-inclusive figure used to rank the table. To model extra payments on a Loans.com.au balance, use /calculators/extra-repayment.
What is the lowest Loans.com.au home loan rate?
Loans.com.au's lowest variable home loan rate is currently 5.94% p.a., and its lowest fixed rate is 7.19% p.a., based on the 9 Loans.com.au products Ratesniffers ranks by comparison rate, last verified 30 Aug 2026. The advertised rate isn't always the rate Loans.com.au approves, a broker can often negotiate a sharper deal on your scenario.
What is the monthly repayment on a $600,000 Loans.com.au home loan?
At Loans.com.au's lowest variable rate of 5.94% p.a., a $600,000 principal and interest loan over 30 years repays about $3,574 a month, and $500,000 about $2,978. That is an estimate at the advertised rate before fees; the comparison rate in the table above carries the fees, and a fixed or interest-only loan repays differently.
How much do you need to earn for a $500,000 Loans.com.au home loan?
There is no single salary. Like every Australian lender, Loans.com.au must assess a new home loan at a rate at least 3 percentage points above the loan's rate under APRA's serviceability buffer, so 5.94% p.a. is assessed at about 8.94% p.a., then test that repayment against income after living expenses and other debts. The income required calculator at /calculators/income-required works this backwards from a property price and deposit.
How does Loans.com.au's home loan rate compare to the market?
Loans.com.au's lowest variable home loan rate today is 5.94% p.a., which is 30 basis points below the market median of 6.24% p.a., which puts Loans.com.au among the more competitive lenders on variable rates today. 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?
Ratesniffers currently tracks 9 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 loans sit at the top.
Is Loans.com.au competitive for refinancing?
It depends on your loan size and LVR. Loans.com.au's lowest comparison rate is currently 5.98% 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 30 Aug 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.
