loans.com.au
Every product loans.com.au publishes under the Consumer Data Right, with its rates set beside every other lender's. It last changed one on 23 Oct 2026.
- Australian credit licence and AFS licence 290600, held by Firstmac Limited; credit licence since 9 March 2011. Complaints it can't resolve go to the Australian Financial Complaints Authority (AFCA). ASIC register
- A non-bank lender: it lends but takes no deposits, and publishes its products under the Consumer Data Right like the banks.
19 products in 2 categories
loans.com.au's rates today
loans.com.au's best rate in each category, next to the best you'll find anywhere and the typical institution's best, as of 28 October 2026. Only products anyone can apply for are counted.
Where loans.com.au sits among every institution's best
| Rate | loans.com.au | Best anywhere | Typical institution |
|---|---|---|---|
| Variable home loanOwner occupier, principal & interest, 80% LVR | 6.19%Bare Home Loan | 5.69%AAA Financial Corporation's Portfolio Loan | 6.36%of 102 institutions |
| 3-year fixed home loanOwner occupier, principal & interest, 80% LVR | 7.09%Fixed Bold Home Loan | 6.09%Border Bank's Customs Value Home Loan | 6.69%of 79 institutions |
| Personal loanLowest advertised rate, fixed or variable, leaving out car loans | 7.49%Secured Variable Caravan Loan (Dealer) | 5.80%Plenti Personal Loan | 7.96%of 68 institutions |
loans.com.au home loan repayments
Repayments at loans.com.au's lowest published rate for each loan type: owner occupier at 80% LVR unless marked investor, principal and interest, products open to anyone.
- VariableBare Home Loan6.19%6.23% comparison$3,671a month
$721,532 in interest, $1,321,532 repaid in all
- 1-year fixedFixed Bold Home Loan7.09%6.41% comparison$4,028a month
$850,133 in interest, $1,450,133 repaid in all
- 2-year fixedFixed Bold Home Loan7.09%6.49% comparison$4,028a month
$850,133 in interest, $1,450,133 repaid in all
- 3-year fixedFixed Bold Home Loan7.09%6.56% comparison$4,028a month
$850,133 in interest, $1,450,133 repaid in all
- 5-year fixedFixed Bold Home Loan7.39%6.85% comparison$4,150a month
$894,067 in interest, $1,494,067 repaid in all
- Investor variableBare Home Loan6.49%6.53% comparison$3,788a month
$763,847 in interest, $1,363,847 repaid in all
Principal and interest, monthly, as if the rate held for the whole term: a fixed rate reverts to a variable one when the fixed period ends. Fees, offsets and extra repayments aren't included; the repayment calculator handles those. Not loans.com.au's own calculator: confirm the rate with loans.com.au before you apply.
loans.com.au home loan rates
Compare across lenders11 products
Its lowest owner-occupier variable home loan rate (principal and interest, 80% LVR) is 6.19%, with a comparison rate of 6.23%, on its Bare Home Loan: 17th lowest of 102 lenders, level with 7 others.
- Bare Alt Doc Home Loan
- Variable (owner occ. P&I)
- 6.89%, 6.93% comparison
- Variable (investor P&I)
- 7.09%
- Max LVR
- 80%
- Bare Home Loan
- Variable (owner occ. P&I)
- 6.19%, 6.23% comparison
- Variable (investor P&I)
- 6.49%
- Max LVR
- 90%
- Bridging Home Loan
- Max LVR
- 80%
- Features
- extra repayments
- Construction Home Loan
- Max LVR
- 90%
- Features
- extra repayments
- Expat Home Loan
- Variable (investor P&I)
- 7.83%
- Max LVR
- 80%
- Features
- offset, redraw, extra repayments
- Fixed Bold Alt Doc Home Loan
- Fixed
- 1 yr 7.54%, 2 yrs 7.54%, 3 yrs 7.54%, 4 yrs 7.84%, 5 yrs 7.84%
- Max LVR
- 80%
- Features
- extra repayments
- Fixed Bold Home Loan
- Fixed
- 1 yr 7.09%, 2 yrs 7.09%, 3 yrs 7.09%, 4 yrs 7.39%, 5 yrs 7.39%
- Max LVR
- 90%
- Features
- extra repayments
- SMSF Home Loan
- Variable (investor P&I)
- 7.14%
- Max LVR
- 80%
- Features
- extra repayments
- Variable Bold Alt Doc Home Loan
- Variable (owner occ. P&I)
- 6.99%, 7.03% comparison
- Variable (investor P&I)
- 7.19%
- Max LVR
- 80%
- Variable Bold Bundle Home Loan
- Variable (investor P&I)
- 6.49%
- Max LVR
- 80%
- Features
- offset, redraw, extra repayments
- Variable Bold Home Loan
- Variable (owner occ. P&I)
- 6.29%, 6.33% comparison
- Variable (investor P&I)
- 6.59%
- Max LVR
- 90%
loans.com.au personal loan rates
Compare across lenders8 products
Its lowest advertised personal loan rate is 5.94% variable, with a comparison rate of 7.07%, on its Secured Variable Car Loan (Dealer): 3rd lowest of 69 lenders.
- Secured Fixed Car Loan (Dealer)
- Fixed
- 7.49%, 8.62% comparison
- Loan size
- $10,000 to $150,000
- Upfront fee
- $400
- Secured Fixed Car Loan (Private Sale)
- Fixed
- 7.49%, 8.76% comparison
- Loan size
- $10,000 to $150,000
- Upfront fee
- $500
- Secured Fixed Caravan Loan (Dealer)
- Fixed
- 8.34%, 9.47% comparison
- Loan size
- $10,000 to $150,000
- Upfront fee
- $400
- Secured Fixed Caravan Loan (Private Sale)
- Fixed
- 9.04%, 10.31% comparison
- Loan size
- $10,000 to $150,000
- Upfront fee
- $500
- Secured Variable Car Loan (Dealer)
- Variable
- 5.94%, 7.07% comparison
- Loan size
- $10,000 to $150,000
- Upfront fee
- $400
- Secured Variable Car Loan (Private Sale)
- Variable
- 5.94%, 7.22% comparison
- Loan size
- $10,000 to $150,000
- Upfront fee
- $500
- Secured Variable Caravan Loan (Dealer)
- Variable
- 7.49%, 8.62% comparison
- Loan size
- $10,000 to $150,000
- Upfront fee
- $400
- Secured Variable Caravan Loan (Private Sale)
- Variable
- 8.74%, 10.01% comparison
- Loan size
- $10,000 to $150,000
- Upfront fee
- $500
Every published rate loans.com.au has changed.
Tue 20 Oct
loans.com.au cut 1 fixed home loan rate by 0.25 percentage points.
0.25
Published by loans.com.au under the Consumer Data Right, last changed by them on 23 Oct 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.