Borrower Eligibility

• Who is Click Loans?
Click Loans is an Australian owned business that was created to provide a great online home loan experience. While we are an online based business, we are real people based in real Australian cities, and are always available to chat, talk, message or video call anytime you want. You'll notice our website isn't about lead generation but focused on providing Aussie home owners with a great online home loan experience. Start with our preliminary 8 question rate quote. It generally takes less than 60 seconds. Whilst Click Loans has been backed by some of Australia's largest technological and financial institutions we'd like to think we are a small business at heart with a real focus on a great customer outcome.
• What type of home loans do you offer?
We offer a large number of home loans for most circumstances. These include fixed, variable, lines of credit and interest only loans. We can also help with loans for companies, trusts, self managed super funds and those who are self employed. In many cases we can still help those with credit history as well. Your Home Loan Concierge will guide you through your options.
• Can Click Loans make exceptions for unique situations?
Yes we sure can. It's important for us to understand your specific circumstance and unlike the big banks, you have a dedicated support person (Your Home Loan Concierge) that will take the time to guide you through the process
• Am I eligible to apply for a loan?
Why not find out today? Answer the our eight preliminary questions and we will provide you with a rate quote.
• What are the minimum credit requirements to receive a loan?
The credit requirements are specific to your circumstances and the loan required. We will provide you with guidance after you answer the first eight questions. It generally only takes 60 seconds to get a rate quote.
• I'm self employed, can I still apply for home loan?
You sure can. We have great loans specifically for those who are self employed.
• Do you offer loans for first home buyers?
Yes, we sure do.
• What will my rate be?
We ask a number of questions to determine the best rates available. There are many things that determine the rate including your income, employment, credit rating, amount your wish to borrow, location of the property and the loan to property value ratio (LVR). We will provide you guidance on your interest rate after your first eight questions and confirm the rate within 24 hours of your application.
• Does Click Loans bait & switch their rates?
No. We will never promise you a great rate and then switch it out for a more expensive one. Or add in fees for no reason. We will work through your circumstance to find you the best available loan. We will always be open and honest about the interest rate process.

Applying for a Loan

• What is a Home Loan Concierge?
They are your personal and dedicated support person. Their only job is to get you a great home loan with a minimum amount of work required by yourself. They are based in Australia and you can talk to them over the phone, email, live chat, Skype or Google Hangouts. They are at your service.
• How do I apply for a loan?
We think that Click Loans makes it pretty easy. Answer the 8 preliminary questions to get a rate quote and then complete your application online. Or if you would rather we helped you, just request your Home Loan Concierge to make contact with you via Talk to a Human. Or you can call us. We make it is easier than any other Home Loan in Australia.
• How are interest payments calculated?
Interest payments are generally charged in arrears and monthly. Your Home Loan Concierge can walk you through a specific example over the phone or email.
• What fees am I charged?
Click Loans doesn't charge fees for most of our online products. There may be some 3rd party legal fees such as loan legal fees but we'll always make you aware of these if they apply. Our online fees are generally less than any of our competitors.
• Can I apply for a second loan?
Just contact your dedicated Home Loan Concierge via the phone, email or via the online portal. We'll walk you through the process and be sure you don't need to duplicate all of your documents.
• How do I withdraw my application?
Just contact your dedicated Home Loan Concierge via the phone, email or via the Loan Dashboard.
• What if i don't want an online home loan?
No problems. We love giving a great home loan service. We can do it over the phone, internet, Skype or we can even organise a face to face meeting.
• I need an urgent home loan. Help me!
No problems. We are here to help from 8am until 8pm EST Monday to Friday and can even be in touch over the weekend. Commence the preliminary questions (it will only take about 60 seconds) and then call, email or instant message your dedicated Home Loan Concierge. In certain and limited circumstances we've been known to settle a loan in only 7 days.

Verification

• What documentation do I have to provide to verify my income?
Different loans will require different documents. Your Loan Dashboard will highlight any of the documents you need and if you are having any issues collecting these documents, just contact your Home Loan Concierge. They are always there to help.
• How do I verify my identity?
Click Loans allows you to verify your ID online as part of the application process (give it a try) or offline via Australia Post. We may also require it at the time of settlement (of the loan).
• Can I use my household or spousal income?
Yes you generally can. Your Home Loan Concierge will help with any questions you may have.
• Do I need to use the Click Loans online verification tools?
No you don't. While it is safe, secure and quick, we understand some people just prefer deal with a human, face to face. And that is fine.

Making Loan Payments

• How do I make payments?
You have many options but generally they can be organised to come out of your existing bank account. You don't need to change to a different bank. Your Home Loan Concierge will provide you will all of your options.
• Can I pay off my loan early?
Yes you can. The amount may different depending on the loan type.
• Does ClickLoans charge an early repayment fee or penalty?
There is no penalty for paying a variable loan off early. There is no penalty for paying a fixed loan off early once the fixed term has expired. And you can pay up to 5% of your fixed loan off during the fixed term with no penalty.
• What are my payment obligations?
You are obliged to make payments as agreed in the specifics of your loan agreement. They will vary depending on your loan type and you will generally be aware of these payments during the loan application process. Your Home Loan Concierge is always available to talk through your circumstances.

About Click Loans

• What is ClickLoans?
ClickLoans is Australia's first fully online home loan application process, bringing to you low online interest rates combined with a quick and easy only process.
• I want to work at ClickLoans, are there any open positions?
We're always looking for talented and passionate people to join our team. Email us at careers@clickloans.com.au or call through on 1300 797 793
• Who is ClickLoans
ClickLoans is a subsidiary of Australian Credit and Finance, one of Australia's largest mortgage broking groups.
• How can I contact Click Loans?
You can contact us at heretohelp@clickloans.com.au, our Contact Us page or by calling 1300 797 783
• Why isn’t click loans rated by Canstar?
We are excited to be the new kids on the block in the Australian Home Loan market after launching in mid 2015. Canstar require a minimum of 6 months operation prior to being rated and audited. As soon as we qualify, we’ll be rated by Canstar. In the meantime, you are safe in the knowledge that we are backed by some of Australia’s largest financial institutions.