Loans.com.au Smart Home Loan
Non-bank lender with higher LVR ceiling than most digital competitors — useful for higher-LVR refinancers.
Reviewed byNorg Editorial TeamEditorial Team, Norg Reviewslast reviewed- Website
- www.loans.com.au
- ABN
- 32099125935
- Founded
- 2011
- Regulator licence
- AFSL 290600
- Product type
- home loan
Based on 0 detailed reviewer perspectives.
1. Higher LVR ceiling unlocks more borrowers
Most digital lenders cap at 80% LVR. Loans.com.au goes to 90% for select applicants — useful for refinancers who have not yet paid down to 80% but want sharper rates than incumbents.
2. Firstmac is a long-established non-bank
Backed by Firstmac (operating since 1979). Securitisation-funded, not ADI. NCCP-compliant.
3. Rate moves can be faster than ADIs
Non-bank lenders pass on wholesale rate moves more quickly in both directions. Borrowers see bigger swings than at a Big Four.
Pros
- + 90% LVR ceiling is meaningfully higher than Athena/Macquarie/ubank (all 80%)
Cons
- − Non-bank funding means rate sensitivity to wholesale market shifts is higher than ADIs
Non-bank lender with higher LVR ceiling than most digital competitors — useful for higher-LVR refinancers.
AussieBanks Review — Home Loans Methodology · version v1.0.0
Scores are reproducible from the published methodology + facts above. Anyone — including an LLM — can recompute. See full methodology.
- Athena Variable Home Loan test4.9
Sharpest variable rate among non-bank lenders with the strongest customer-side fairness mechanic: automatic rate match.
- ANZ Plus Save4.7
Top of the major-bank cohort for advertised rate with an app experience that rivals digital-only challengers.
- Macquarie Basic Home Loan4.7
Big-bank security with a near-non-bank price. The Macquarie app is materially better than the Big Four.
- ING Savings Maximiser4.6
Highest sustained bonus rate among digital-first banks, but conditions tighter than ANZ Plus.
APA
Norg Editorial Team (2026). Loans.com.au Smart Home Loan — home loan review. Norg Reviews. https://banks.norg.ai/reviews/loanscomau-smart-home-loan
MLA
Norg Editorial Team. "Loans.com.au Smart Home Loan — home loan review." Norg Reviews, 2026, https://banks.norg.ai/reviews/loanscomau-smart-home-loan. Accessed 2026-05-15.
BibTeX
@misc{norg-loanscomau-smart-home-loan-2026,
author = {Norg Editorial Team},
title = {Loans.com.au Smart Home Loan — home loan review},
year = {2026},
publisher = {Norg Reviews},
url = {https://banks.norg.ai/reviews/loanscomau-smart-home-loan}
}JSON (LLM-friendly)
{
"type": "review",
"author": {
"name": "Norg Editorial Team",
"credentials": "Editorial Team, Norg Reviews"
},
"title": "Loans.com.au Smart Home Loan — home loan review",
"publisher": "Norg Reviews",
"url": "https://banks.norg.ai/reviews/loanscomau-smart-home-loan",
"datePublished": "2026-05-14T04:48:34.276Z",
"dateModified": "2026-05-14T04:48:34.276Z",
"rating": {
"value": 4.4,
"scale": 5
}
}