After writing my last review here on ieatwords AND also emailing the office of the Prime Minister & Cabinet about these mongrels, I was phoned then emailed by Pepper Money (through Click Loans) trying to rationalise why they weren’t passing on ANY of the COVID-19 emergency RBA late March 25 basis points rate cut & just 20 of the 25 basis point RBA rate cut announced in early March. I have 12 qualifications including 4 uni quals in business & Pepper thinks I’m stupid enough to believe they aren’t passing on the RBA rate cuts because of high ...Read more

After writing my last review here on ieatwords AND also emailing the office of the Prime Minister & Cabinet about these mongrels, I was phoned then emailed by Pepper trying to rationalise why they weren’t passing on ANY of the COVID-19 emergency RBA late March 25 basis points rate cut & just 20 of the 25 basis point RBA rate cut announced in early March. I have 12 qualifications including 4 uni quals in business & Pepper thinks I’m stupid enough to believe they aren’t passing on the RBA rate cuts because of high overseas borrowing costs. At...Read more

I am refinancing due to security concerns.
I got this loan through a mortgage broker who helped me finance to a better interest rate with clickloans.
However I am very concerned about the lack of internet security - no two factor authentication, a single password that is 6 numbers long as well as username being another string of digits. This wouldn't take long to crack for someone who knew what they were doing. Since getting the loan I haven't been able to use the offset at all - why would I put my savings somewhere that could be so easily ha...Read more

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 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 l...Read more

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 2022) 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 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 t...Read more

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 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 ho...Read more

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 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 erron...Read more

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 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 cla...Read more

The Click Home Loan team has been very helpful especially Ted and Mathu who have processed my consolidation / refinance very quick and thorough. They’ve been in contact with me in every step of the way till the loan was settled. Highly recommend Ted as he has been very helpful throughout the process. Thanks for the support and I know I will be with this company for a long time for my mortgage. Keep up the good work Click Team. I highly recommend these guys for anyone who wants hassle free service.

April 4th 2022 Update: Rate rise within 6 mont...Read more