Click Loans

Terrible – Absolutely terrible , impossible to get in touch and even after leaving a message you would be waiting days for a call back . Banking is an absolute trash . Impossible to differentiate deductions from credits . When pay someone the details of the person and account number doesn’t show in the transaction history . Save yourself the headache and find a better bank to deal with. Show details

Highly Unscrupulous - Don’t Go Near Them – Frantically trying to book a settlement date to move my mortgage to Westpac who had almost given up on trying to sort out the bizarre arrangement between Pepper Money, Click Loans and Lendi, I have now concluded Click Loans is little more than a well-disguised ghost company taking a trailing commission from Pepper Money as the actual mortgagor… Read more

with Lendi then taking a trailing commission from Click Loans as the broker. It’s an arrangement similar to loans.com.au with Perpetual Trustees which is mother definite no-go if you are shopping for a mortgage. Too many businesses are involved in milking you so they won’t want to reduce your interest rate even during a global pandemic & they will do everything they can to delay your mortgage refinance when you finally wake up to the fact you’ve been hoodwinked. Two days after phoning Click Loans where you have no phone option choice but to leave your phone number and wait for someone to phone you back, no one has phoned me back! There is no customer service at Click Loans. Zip. I refinanced as I had had enough of RBA cash rate discounts not being passed on & their unwillingness to reduce my extortionate interest rate. When other lenders were offering 2.45%, I was still on 3.25%. Westpac by contrast has remained professional & with excellent customer service the entire way through. It’s been a 6 month process to refinance which speaks volumes about Click Loans. Click Loans is a virtual online lender that’s not really a lender. Westpac could not speak with them to get clarification regarding their highly suspect loan statements and the way they display the redraw amount. When Click Loans became aware I was intent on leaving them, Click Loans, fo no reason whatsoever, increased my monthly loan repayment amount without increasing my interest rate - even though I was already paying $200 more per week than my interest rate required. These people are Capital D dodgy. Don’t go anywhere near them.

Where is the support? – Not sure what has happened to Clickloans... Support used to be great and now I tried all week to contact them. The automated phone response turned me away every single time due to full queues and my email to client services remained unanswered. An unintelligible direct debit amount put my bank account into the red and nobody there to fix this... Not happy!  Show details

Excellent all round loan – Have used Click for a Basic Home Loan, and later an Offset loan. Interest rate cuts are usually passed on and customer service is quick (usually less than 2 mins hold to get through). Bear in mind that Click Loans are a white label - my actual bank is Macquarie. My only criticisms are some restrictions with the functionality, i.e. no pay id,… Read more ·  1

can't change daily limit without a phone call, etc. If you wanted to add a second offset, you cannot without a refinance. However, these things aren't really important to me, so I can overlook them. All in all, no fuss and good service

With a little help from a friend – Samantha Tannous helped me when nobody else could. I had been searching for a loan for 6 months from banks and brokers, with no luck. Then Samantha came to my rescue. She helped me through the process when I was struggling to get my information together. I couldn't have done it without her. Show details ·  1

Seamless process and brilliant support – Lester provided my wife and I outstanding support and advice during the process. We are repeat customers and will definitely continue to use his services. He focused on getting the best outcome for us, and helped us save a pretty penny. Massive thanks to Lester and the click team for making the process as easy and stress free as possible. Show details ·  1

Online banking platform has ZERO security features – If I'd know how bad the online banking platform is with Click loans, I would not have gone ahead with the loan. There is no security text msg or email to confirm payment made from your accont or was made. Nothing. If you have money in a offset account it makes you extremely vulnerable to hackers. Poor security service. every bank provides extra… Read more

levels of security when making payments. This company don't care if your account gets hacked into. All you've got is a two lot of numbers and you've accessed someone's account. Click loans - fix this as a priority please.

More interest rate rises – I have two loans outstanding with Click / Pepper - an owner occupied loan and an investment loan. I took out both loans in early 2018 at rates of 3.99% and 4.14%, which were good rates at the time. Both rates, however, increased to 4.17% and 4.32% in July 2018 and now I have just been notified that both rates have increased again to 4.34% and… Read more

4.49% from 22 March.

The wording in the latest letter advising of the rate increases is exactly the same as the one I received last year. It reads "As you may have seen in recent media, many Australian lenders have increased interest rates in response to market conditions. Regrettably, we are not immune to the market. Whilst the decision was not taken lightly, the interest rate applying to your loan will increase from 22 March 2019." I have not noticed any recent rate rises in the media. There is talk that the RBA may decrease the official cash rate later in the year.

I am now looking elsewhere for a better deal.

Excellent Service & Support – Lester gave me exceptional support and advice during my interactions with him! I felt like he geniunely cared about getting the best outcome for me and the house I was wanting to buy! Its rare to find service like that these days and the big banks could learn a thing or two as to why people prefer working with Brokers like Lester! Show details ·  1

Great customer service and quick – Lester was a great broker to deal with recommend him 5 stars click loans give you options with the loans and also quick loan process I would give 5 stars Show details ·  1

Home Loan Applic Review – I had great customer service from Ted Vo, Biana and Tori. They are a great team. Finalisation of loan documents is a headache. However Tori has been in constant contact with me and chasing them up. The interest rate was a bit high - however our loan was complicated and low doc. Very happy with the help and performance of click loans. Show details ·  1

Started off good.....then the rate rises kept coming – Click Loans work with other lending institutions. My investment home loan ended up being financed by Pepper Money. I started with a good rate of 3.89 in July 2017 but then rose to 4.07% in July 2018. I now (March 2019) received a letter saying that the rate will be going up to 4.24% in 4 days' time. The letter was worded with the EXACT same… Read more

wording as the previous rate rise letter - "As you may have seen in recent media, many Australian lenders have increased interest rates in response to market conditions. Regrettably, we are not immune to the market. Whilst the decision was not taken lightly, the interest rate applying to your loan will increase from 22 March 2019." These were the exact same words as the previous rate rise letter.

No, I have not noted any recent rate rises in the media - nor had I prior to the first rate rise.

I'm now looking for a better deal. Reduce home loans looks like it has the best investment home loan deal at the moment at 3.79% with a $10 monthly offset account fee but no upfront fees.

If anyone can better that for a $275,000 loan on a house worth around $650,000 feel free to get in contact with me.

Rate rises – Refinanced less a year ago 3.64% had rise soon after now have had another rise to 3.76%. Discussed issue and reply was unconvincing as to why increased in current marketplace Show details

A nightmare – Our second loan with this group has been a nightmare from start to finish but we had no time to change to another company. Months of back and forth to establish the loan and now twice have had a interest rise with NO notice...just tell us after they have upped our interest rate. Stay far far away from them. Show details

Above and beyond – We recently refinanced with click loans in order to support a new home loan as well. The re finance was easy and straight forward . No problems. Fees fine and allowed us to cash some funds towards our new home . Follow up and induction with Macquarie not as great but as soon as I mentioned this I received a call from my broker, Lester. In terms of… Read more ·  1

the home loan our broker Lester went above and beyond to try and support us through that process and it was a lengthy and stressful process . Being a sole trader , the homeloan process was a bit ad hoc and invasive with a lot of confusion about how the bank applies the new royal commission rules. This was very frustrating and difficult considering we had our 20% plus costs and were after a very small homeloan . Click loans were great through this process, macquaire not so much. We were also told no fees and will be following this up with click loans as upon settlement for our home loan we were hit with quite high fees from macquaire we weren't expecting. Lastly,the conveyancers for macquaire were slow to advise figures and loan amount and so settlement was also more stressful than it needed to be. Mathu, our settlement officer was very responsive and helpful but again the Macquarie side made things difficult. Overall I think the click loans service is very good as we had few options with us earning some income through abn but I feel Macquarie is taking advantage of that and their service is very low touch meaning the loan service through them may be less helpful than a big bank. We will see.

Great product and service – I recently refinanced with Click Loans and Mathu and Mark were fantastic. Highly recommend and wish I had of done this years ago!  Show reply

Hoodwinked with Fees! – So disappointed, that the company I had trusted for a number of years could treat me like this. I recently contacted Clickloans to enquire about obtaining an extra amount through my home loan. After asking about the fees involved, I agreed to re-finance, adding another loan and moving over to Macquarie, for a better rate. Once the… Read more

settlement had been finalised, to my dismay – the fees charged were more than double what had been given to me in an email! I was quoted $613, but actually got charged $1350. The fees also included an erroneous amount taken from the settlement statement with no reference or description at all.

To make matters worse, all inquires have gone unanswered.

How can I possibly recommend Clickloans when they brazenly deceive about fees?

It always starts out great, then the rate rises quickly follow – In less than 2 years, my 3.89% P&I home loan has risen to 4.47%. I'm still in the very drawn out process of trying to get a rate review, but all indications are they will be trying to sell me another refinance. Trying to talk directly with the lender gets you referred back to Click Loans, who start you straight back down the refinance path. I… Read more

took out the initial loan with them, refinanced after 12 months to get a better rate, followed by multiple rate rises, meanwhile, they advertise even lower interest rates on their website, currently claiming 3.7%.

I would suggest extreme caution when dealing with Click Loans, I've kept a close eye on Westpac interest rate rises over the same period, during which rates were reduced by 0.08% in June 2017 and increased 0.14% August 2018, completely eliminating any advantage of going through Click Loans.

Just based on my most recent experience, they would need to be well over 0.5% cheaper on the initial rate to match what the big banks are offering over the long term. 8 years with Westpac before this and I didn't see anywhere near that sort of rate rise.

Currently I'm about 2 weeks into trying to speak to someone about a rate review, rather than going through another refinance, it seems everyone is too busy to talk about anything buy a refinance.

Good loan – The customer service was great. Staff made good effort. Peter was informative, available when I needed to clarify issues and very helpful. Satisfied with the rate.  Show reply

Fantastic service! – Click loans have been a pleasure to deal with a very prompt and helpful team. I was dealing with Peter and I have to say I couldn’t be happier with his knowledge and help getting our loan approved when we had so much trouble with other lenders.  Show reply

The best Team – The team has been very helpful especially Lester and Mathu who has processed my consolidation very quick and thorough. They’ve been in contact with me in my wife every step of the way till the loan was settled. Highly recommend Lester as a broker as he has been very helpful Thru out the process. Thanks for the support and I know I will be with this company for a long time to deal with my future mortgages.  Show reply

Excellent Customer Service – In my last 2 years of relationship with Click Loans and Lester as the broker, I have applied for 4 loans with my first in 2016. The process on all four occasions was smooth. Customer service at its best with Lester going above and beyond expectations. Something that probably shows the culture and best practice applied at Click Loans. The… Read more ·  1

experience this time around was again up to the mark, very transparent and Lester being very flexible in his approach. Click Loans will always be my first choice and will not shy from letting friends and family benefit from it.

Perfect example of excellent customer service and professionalism – I have been dealing with Lester for 2 years now from my 1st Click Loan in 2016 to 3 more later on in the year. Its a pleasure to deal with some one like Lester who is very professional and always ready to go above and beyond your expextations. All the 4 loans I have taken with Click Loans, Lester was very helpful each time and was very thorough… Read more ·  1

with the requirements. Some one who does not mind to return your call back even if he is on a day off or on leave.

Just a gem of a person to work with and I can not go any where else because it seems so easy to work with him. Thanks for all your help Lester. As usual, the process this time around was also smooth as a butter.

Excellent Service – Click Home Loans have been so good to deal with. Having been through some financial trouble in the recent past, we thought it may be difficult for us tor us to attain a home loan. Simon was excellent and guided us thoroughly through the initial stages of the application process. He was prompt with his communication and ensured we were kept up to… Read more ·  1

date with where things were at in the process. Settlement was very smooth. I have no hesitation in recommending Click Home Loans.

Seemless Service – Ted Vo is wonderful great service and works so hard to get a great outcome for us we are very happy with the service and communication and thank both Ted and Mathu for their help it's always a great to have guidance when your refinancing thanks again  Show reply

Refinance gone smoothly – The Lendi Team communicates well throughout the refinance process and were there to answer questions and offer help at all stages. Good customer service. Ended up being with a great lender. Thanks again.  Show reply

Easy way to refinance and save a lot on my home loan – The process was very straight forward and easy to track my progress. The team were great and worked well to respond to all my questions, calls and emails. I got a much better deal on my interest rate and a much better product overall. Mark Clack did a great job.  Show reply