Already have a loan with us and thinking of investing in another property?
Get rewarded with our investor package rate.
Multi-award winning
Investor Package
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Available when packaged with an owner occupied loan^^ -
Borrow up to 80% LVR at a discounted rate***
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Offset sub-account available for +0.10%^
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No transaction fees for redraws
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No monthly or ongoing fees
Why choose our investor package loan?
Offset available for 0.10%^
Add an offset sub-account with a Visa debit card access to help you to pay off your loan sooner through flexible repayments.
No hidden fees or charges
Access our competitive rates with no hidden fees or charges.
Unlimited free redraws
Make extra repayments with a redraw at no extra cost and save interest with our variable rate loans and benefit from your investment sooner.
Quick and easy process
Apply online or chat to one of our lending specialists for a quick decision and easy application in just 4 steps.
A variable investor home loan that saves you more.
Here’s your new offer
Repayment Type
Maximum LVR of 80%
| Product | Interest rate from | Comparison rate |
|---|---|---|
| Investor Package | 5.53% p.a.^^ | 5.57% p.a.* |
Maximum LVR of 80%
| Product | Interest rate from | Comparison rate |
|---|---|---|
| Investor Package | 5.93% p.a.^^ | 5.88% p.a.* |
| 20% deposit minimum | Yes |
|---|---|
| Up to 30 years loan term | Yes |
| Available for refinance or purchase | Yes |
| Unlimited additional repayments | Yes |
|
Yes |
| Application fee | $0 |
|---|---|
| Ongoing fees | $0 |
| Security assessment fee | $230## |
| Government fees | At cost |
| Settlement fee | $300 |
Real-life customer stories
Sharon
Frequently asked questions
You can get your dream home at a low rate because we don't have to pay for branches or broker commissions and have innovative technology processes, which means we pass our savings directly on to you.
For an extra 0.10%^ to the loan, you can add a 100% offset sub-account with online, ATM, EFTPOS & Visa debit card access to your money, plus unlimited free redraws. For more information on our home loan with an offset sub-account: https://www.loans.com.au/home-loans/offset-account/
To apply to any of our loan options, visit: https://www.loans.com.au/apply or call 1300 471 806 and one of our lending specialists can help, or even complete the application for you.
There are a few documents you'll need to provide in your home loan application. Some of these include:
- Two (2) most recent consecutive payslips for each applicant
- Three (3) months bank statements showing regular salary credits, including most recent salary credits with the name of the employer evident
- Evidence of Salary Sacrifice or Packaging (if applicable)
- Evidence of Company Vehicle/Car Allowance (if applicable)
- Six (6) consecutive months of home loan statements showing consistent repayment history (if applicable)
loans.com.au requires a minimum deposit of 10% of the purchase price of the property, or the current value of the property if you are refinancing. To avoid paying Lenders Mortgage Insurance (LMI), borrowers need a 20% deposit in most cases.
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.
After settlement, you'll nominate on your direct debit form when you start repayments. Our Customer Care team will also confirm your repayment dates when calling you at loan settlement. Additional repayments into a fixed home loan are allowed and are up to $10,000 per year.
We charge a $300 settlement fee plus a security assessment fee. The security assessment fee for a standard property in a metropolitan area in a major city starts at $230 for properties valued up to $1 million. The security assessment fee is not refundable and is payable when the security assessment is ordered.
We sure do! Introduce someone to loans.com.au and we'll reward you when they settle their loan with us!
For home loans, we'll give you a huge $1000 bonus when they settle their home loan with us and your friend will also receive $1000.
For car loans, we'll give you a huge $250 bonus when they settle their car loan with us and your friend will also receive $150 off their settlement fee.
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!
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
