Ready to buy your investment property
If you’re planning to purchase an investment property to rent out to tenants, no matter whether it’s your first investment property or your next, we can help.
At loans.com.au, we have a number of low rate investment loan options and with features, and a friendly and experienced team of lending specialists who are here to help you settle quickly, and make your experience as hassle free as possible.
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The Smart Investor will save you money on interest and fees to make it easy to buy an investment property.
Why buy an investment property with loans.com.au?
loans.com.au is an award-winning online lender that is proudly Australian and based in the heart of Brisbane, with offices in other capital cities.
Low interest rates
We can offer extremely low rates because our online model is so efficient. Fewer overheads mean doing business costs less and those savings translate directly into lower interest rates and fees for our customers.
Australian based support team
We have an experienced, Australian based team. At every step of the way, you’ll talk to a real person from our friendly team of lending specialists who are here to help you.
We offer great low rates on our fixed, variable and split home loans. We also offer discounts for large deposits or customers with owner occupied and investment properties. Plus, our car loans have different fixed terms and the option for balloon payment.
By keeping our interest rates low and revolutionising the loan application process, we keep on winning awards for our products, innovations and customer service, year after year!
For both our home and car loans, you can find out if you pre-qualify in just minutes. The application process is simple, online, plus we’re here to help at each step of the way.
onTrack is our online app which allows you to complete your home loan application on your device from initial contact through to settlement and beyond. In onTrack you can complete your loan application in your own time, as it suits you.
Our Home Loan Process
loans.com.au makes borrowing simple so you can buy your next home and start saving thousands, sooner. Go from application to settlement in a few steps. Here's how.
Fill out our application online or talk to one of our Australian-based lending specialists to do the hard work for you.
Login to onTrack and easily upload the required documents. Plus, you can track your application through to approval.
Settle & save
Our innovative online process gets you to settlement quickly, so you can start saving thousands sooner.
Common investment loan questions
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.
Some benefits of purchasing an investment property include:
- Tax benefits
- Potential capital growth
- Relatively stable investment
- Passive income
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.
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.
Calculate your savings
Apply online or speak to one of our Australian based loan specialists who will take care of all the paperwork for you. Applying is easy and we can settle your loan quickly so you start saving sooner. With loans.com.au you can have confidence in dealing with Australia's largest non-bank lender.
Get free property & suburb insights
To help you find the perfect home, we'd like to give you a free loans.com.au Comparative Market Analysis (CMA) property report, a breakdown of information about the property you are considering, including previous sale prices.
Estimated property value
An indication of how much the property is worth, based on factors including recent sale prices for comparable properties in the area.
An aerial photo of the property and its immediate surrounds, plus maps of the street & the property in relation to points of interest and facilities.
Properties sold in the area
You will be able to see details of recently-sold properties in the area including the date they were sold, land size, number of bedrooms, number of bathrooms and garage size.
Detailed information about nearby properties currently listed for sale or recently sold, including their first and last advertised price and days on the market.
Median sale prices in the area
The median sale price for homes in the area and how it has changed each month in recent years.
Information about the suburb's demographics, such as household occupancy, household income and household structure.
Guide to buying an investment property
A well-chosen property investment is a proven way to increase your wealth over time so it is no surprise that many Australians have a passion for investing in bricks-and-mortar.
A successful residential property investment is one of the few ways that an Australian wage earner can accumulate a meaningful amount of capital.
Rentvesting is investing in one property while living in another rental property yourself. Know the pros and cons and find out if this is the ideal property investment strategy for you.
Use an investment home loan calculator to estimate how much interest you’ll be paying, your monthly repayments, and the total amount you will repay on your investment home loan.
It’s an exciting time. You’ve decided to invest in property as part of a long-term plan to secure your future. More than anything, you want to make sure that investment pays off.
If you plan to invest in real estate you will need to choose what type of property to buy, and this generally comes down to a choice between a free-standing home or an apartment.