Loans.com.au Dream Loan
Review: Loans.com.au Dream Loan Home Loan
The loans.com.au Dream Loan is extremely flexible and can be used whether you are purchasing the home for personal use, looking to purchase an investment property or even if you want to refinance your home.
Key Features of the loans.com.au Dream Loan
The features of the loans.com.au Dream Loan are very competitive, and offer great value. Key features include:
- Minimum loan amount of $50,000
- Maximum loan of:
- $1 000 000 with a single collateral
- $2 000 000 with multiple collateral
- Maximum 30 year loan period
- Loan portability available
- A loan to value ratio (LVR) of 95% which is superb especially for first time buyers
- 100% unlimited redraw facility
- Available Visa Debit Card
- $0 application fee
- $0 annual loan fee
- Zero charges for online transactions
- Zero charges for:
- Direct debits
- Direct credit transactions
- B-Pay
- Additional advances permitted but subject to qualifying criteria
- After 5 years receive a 0.1% loyalty discount
- Free 24/7 unlimited:
- Internet banking and,
- telephone account access
How to Apply for Your loans.com.au Dream Loan
Application for a loans.com.au Dream Loan is very simple. The website also has a great pre-qualification tool that can give you an immediate answer as to what you approval status may be.
The loans.com.au Dream Loan offers an extremely competitive product with low fees and great interest rates. It also has a 95% Loan to Value Ratio making it a lucrative option for first time home owners or people who do not have a big deposit.
Top Home Loans
| Home Loan | Details | Interest Rate (p.a.) | Comp Rate^ (p.a.) | App Fee / Ongoing Fee | Max LVR | Min & Max Borrowing | |
|---|---|---|---|---|---|---|---|
 Loans.com.au - Dream Catcher | A home loan offer with a $0 application fee and one of the lowest available home loan interest rates. | 5.85% | 6.21% | $0 / $375 | 80% | $50,000 / $750,000 |
 
|
 Bankwest Online Home Loan | A low interest rate home loan with a $0 application fee and ongoing maintenance fees. This offer is exclusively available by applying online. | 5.97% | 5.97% | $0 / $0 | 80% | $100,000 / $1,000,000 |
|
 Illawarra Home Loans Bank Beater Home Loan | A low variable rate, beaten down even further by 0.05% p.a. after 5 years. | 6.07% | 6.35% | $0 / $345 | 90% | $250,000 / $1,000,000 |
|
 State Custodians Mortgage Company Standard Variable Offset Loan | Awarded Mortgage of the Year 2012 – this multi-award winner features 100% offset and a loyalty 0.25% rate drop after 5 years. | 6.02% | 6.23% | $0 / $345 | 95% | $150,000 / $1,000,000 |
|
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