{
  "_id": "review.loanscomau-smart-home-loan",
  "author": {
    "credentials": "Editorial Team, Norg Reviews",
    "name": "Norg Editorial Team",
    "sameAs": null,
    "slug": {
      "_type": "slug",
      "current": "editorial-team-norg"
    }
  },
  "cons": [
    "Non-bank funding means rate sensitivity to wholesale market shifts is higher than ADIs"
  ],
  "counterEvidence": null,
  "detailedReviews": null,
  "disclosureNote": null,
  "entity": {
    "abn": "32099125935",
    "bankingDetails": {
      "afslLicence": "AFSL 290600",
      "baseRate": 6.29,
      "comparisonRate": 6.32,
      "features": [
        "Firstmac-funded (long-track non-bank lender)",
        "Free redraw",
        "90% LVR available without LMI for select applicants"
      ],
      "maxLVR": 90,
      "monthlyFee": 0,
      "productType": "home-loan"
    },
    "foundedYear": 2011,
    "name": "Loans.com.au Smart Home Loan",
    "regulator": "AFSL 290600",
    "slug": {
      "_type": "slug",
      "current": "loanscomau-smart-home-loan"
    },
    "vertical": "au-banks",
    "website": "https://www.loans.com.au/home-loans/smart-home-loan/"
  },
  "facts": null,
  "featureRatings": null,
  "keyTakeaways": [
    {
      "body": "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.",
      "heading": "Higher LVR ceiling unlocks more borrowers"
    },
    {
      "body": "Backed by Firstmac (operating since 1979). Securitisation-funded, not ADI. NCCP-compliant.",
      "heading": "Firstmac is a long-established non-bank"
    },
    {
      "body": "Non-bank lenders pass on wholesale rate moves more quickly in both directions. Borrowers see bigger swings than at a Big Four.",
      "heading": "Rate moves can be faster than ADIs"
    }
  ],
  "lastReviewedAt": "2026-05-14T04:48:34.276Z",
  "methodology": {
    "title": "AussieBanks Review — Home Loans Methodology",
    "version": "v1.0.0",
    "vertical": "au-banks"
  },
  "multiSourceRatings": null,
  "overallRating": 4.4,
  "pros": [
    "90% LVR ceiling is meaningfully higher than Athena/Macquarie/ubank (all 80%)"
  ],
  "publishedAt": "2026-05-14T04:48:34.276Z",
  "rankingRationale": "Non-bank lender with higher LVR ceiling than most digital competitors — useful for higher-LVR refinancers.",
  "ratingBreakdown": null,
  "slug": {
    "_type": "slug",
    "current": "loanscomau-smart-home-loan"
  },
  "status": "published",
  "title": "Loans.com.au Smart Home Loan — home loan review"
}