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Investment property loan

If you're thinking of growing your property portfolio, we're here to help.
Multi-award winning
awards awards awards

Variable Investor Home Loan

6.34
%
p.a
Rates from+
6.36
%
p.a
Comparison rate*
Discounted investor loan rate
Offset sub-account available for +0.10%^
No monthly or ongoing fees
Free redraw on any additional repayments
Pay your bills via BPAY
Access your account via Smart Money app
Our Google Rating
4.5
452 reviews

Our home loan interest rates

Loan reasons
Loan type
Home Loan Interest Rate Comparison Rate Monthly Repayment Product Features Details

Variable Investor Home Loan

Investor Principal & Interest Up to 90% LVR
6.34% p.a. 6.36% p.a.  $3,108
  • Discounted investor loan rate+
  • 10% deposit minimum
  • Offset sub-account available for +0.10%^
  • No monthly or ongoing fees
  • Free redraw on any additional repayments
  • Pay your bills via BPAY
Do I Qualify?

Investor Package

Investor Principal & Interest Up to 80% LVR
6.28% p.a. 6.30% p.a.  $3,088
  • Available when packaged with an OO loan^^
  • 20% deposit minimum
  • Offset sub-account available for +0.10%^
  • No monthly or ongoing fees
  • Free redraw on any additional repayments
  • Pay your bills via BPAY
Do I Qualify?

Green Investor

Investor Principal & Interest Up to 90% LVR
6.19% p.a. 6.58% p.a.  $3,059
  • Discounted 5yr green investor loan rate~~
  • 10% deposit minimum
  • Offset sub-account available for +0.10%^
  • No monthly or ongoing fees
  • Free redraw on any additional repayments
  • Pay your bills via BPAY
Do I Qualify?
2024 WeMoney - Best Value for Refinance 2023 WeMoney - Best for Value (Variable) 2024 Mozo - Expert's Choice for Best Green Home Loan Gold Award - Best Green Home Loan 2022 WeMoney - Outstanding Customer Service
Our home loan products are recognised & awarded by the Australian financial industry

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Why choose loans.com.au?

Competitive rates

Being an online lender means fewer costs for us which means great rates for you.

Australian based

Rely on the support of our Australian-based team when you need to talk things through.

Flexible options

We have a full range of loan features with weekly, fortnightly or monthly repayment options.

Quick decision

Apply online or chat to one of our specialists for a quick decision and easy application.

Get ahead with the right home loan

Get a pre-approval decision quickly.

Our home loan application process

1
Application

Application

Simply fill out your home loan application online by entering some of your details, or chat to one of our friendly lending specialists over the phone and they can complete your application for you.

2
onTrack

onTrack

After your application is complete, use our system we call onTrack on your desktop or device to add your documentation such as payslips and bank statements, and track the progress of your application.

3
Speak to specialist

Speak to specialist

You will then have an appointment with one of our lending specialists to organise your preliminary approval of your loan, and help you progress through the home loan approval process through to settlement as quickly as possible.

4
Signing document

Signing document

Check onTrack to received your final approval, mortgage documents and loan agreement. You must sign these and return them in to onTrack.

5
Settlement

Settlement

Your loan will settle and you’ll start saving with your new loan rate, and get your keys to your new dream home!

6
Access your account

Access your account

Once settlement is complete, we will send your login credentials to start managing your payments in the Smart Money app.

Common investment loan questions

Equity is the value of your home, less any money owed on it. For example, if your house is valued at $600,000 and the current debt is $250,000, the equity in the home would be $350,000.

You can leverage the equity in your home to cover the deposit on a new property, using your existing property as collateral. It’s great to make the first step to enter the property market because once you’re in, using equity is generally much easier than saving for another deposit. Find out more about using equity to buy another home

Buying an investment property is a popular choice of investment for many Australians. Compared to other forms of investment like shares, bonds and ETFs - investing in property is easy to understand.

Some benefits of purchasing an investment property may include:

    Unlike most home loans where each loan repayment consists of both interest and principal (meaning your loan balance reduces with each payment), on an interest only loan you only need to pay the interest calculated on your loan each month. This is particularly helpful to investors who wish to pay the smallest repayment amount.

    At loans.com.au, you can choose up to a 5 year loan term for interest only, and once this expires you loan will revert to a principal and interest loan. Your repayments will increase after this period in order reduce your loan down by the end of the term.

    If you purchase an investment property, you are likely to come across the term “gearing”. This means borrowing for the purpose of investing.

    If you borrow to make an investment it can be negatively geared - where interest repayments exceed net income, or positively geared where net income exceeds repayments.

    Negative gearing means that the cost of owning an investment property outweighs the rental income it generates. As an example, assuming your rental property earns $20,000 in one year and the expenses of owning the property (loan repayments, body corporate fees, maintenance, etc.) are $25,000. You will have a loss of $5,000 which you can claim as a tax deduction.

    One benefit of this is the ability to claim tax deductions and reduce your taxable income. Additionally, a negatively geared property investment may appreciate in value over time.

    It’s important to note the risk involved in negative gearing because you are losing money, so you’ll need to be aware of this so you can budget and prepare for the losses.

    Get ahead with the right home loan

    Get a pre-approval decision quickly.

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