Your streamlined Bare Investor Loan
Straightforward, competitive lending to grow your property portfolio
Bare Investor Home Loan
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Borrow up to 90% LVR -
Principal & Interest (P&I) repayments
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No transaction fees for redraws
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No monthly or ongoing fees
Why choose our Bare Investor Home Loan
Flexible repayment options
Zero monthly or ongoing fees
Unlimited free redraws
Quick & easy process
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Frequently asked questions
As an online lender, we operate without the overheads of a physical branch network or broker commissions. Our digital processes and innovative technology help us keep costs down. This allows us to pass those savings directly on to you through competitive home and car loan rates.
Our Bare Home Loan is a simple option designed to keep things straightforward. If you’re looking for extra flexibility and a fully featured product, our Bold Home Loan comes with a 100% offset sub-account. This account gives you:
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Full access to your money via online banking, ATMs, EFTPOS, and a Visa debit card
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Unlimited free redraws for added convenience
Learn more about our home loan with an offset sub-account here: loans.com.au/home-loans/offset-account
An offset sub-account is linked to your home loan and helps reduce the interest you pay. Instead of earning interest like a regular savings account, the balance in your offset reduces the portion of your loan that accrues interest. This can help you pay off your loan faster and save on interest costs.
Key things to know:
- It's a sub-account of your loan, not a separate deposit account.
- Funds in the offset sub-account are not covered by the government deposit guarantee.
- The offset cannot exceed your home loan balance.
If you have any questions, our friendly team is here to help!
The settlement process is different depending on each individual applicant's personal situation, but we generally say it can take anywhere between 4 to 6 weeks. To get to settlement, you'll need to apply, speak to one of our lending specialists, upload your documentation, get the property valued, have your loan approved and the documentation delivered and signed, then you'll settle.
Sarah
Lending Specialist
Real humans based in Brisbane, Australia
As an experienced lending specialist, Sarah and our team can answer all your questions to get you on track.
Refer your friends or family to loans.com.au and earn big rewards!
When they settle a home loan with us, you'll both receive a $1,000 reward. Plus, if they choose a car loan, you'll get a $250 bonus, and they'll enjoy $150 off their settlement fee. It's our way of saying thanks for spreading the word!+
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How often should you refinance your home loan?
Whatever your situation is, refinancing can have benefits. Think carefully if it makes sense to refinance your home loan.
Choosing the best home loan for refinancing
Home refinance loans are not a one-size-fits-all solution. When looking for the best home loans for refinancing, make sure your refinance options have the following.
Should you refinance your investment loan?
Like any investment strategy, you need to consider all the potential risks involved. There’s a right time and place for refinancing your investment loan. Before you delve right in, you need to review your investment carefully.
Can refinancing your home loan save money?
What is home loan refinance?
Tips for a Successful Home Loan Refinance
