Refinance your investment loan
Make the switch today and start saving on your investment loan repayments sooner.
Multi-award winning
Variable Investor Home Loan
-
Borrow up to 90% LVR at a discounted rate
-
Offset sub-account available for +0.10%^
-
No transaction fees for redraws
-
No monthly or ongoing fees

Refinancing your investment home loan has never been easier. Chat through the process with our Australian-based home lending specialists and make the switch today.
You’ll benefit from our competitive rates, unlimited redraws with same-day access, the flexibility of an offset sub-account which can potentially speed up your repayments, and the ability to make extra repayments without any fees.
Why Aussies Choose Us

Apply anytime, and from anywhere.

Fast tracked pre-approval in minutes.

Smarter lending to get you moving sooner.

Online convenience, local support.
Our home loan interest rates
Home Loan | Interest Rate | Comparison Rate | Monthly Repayment | Product Features | Details |
---|---|---|---|---|---|
Variable Investor Home LoanInvestor • Principal & Interest • Up to 90% LVRMost Popular
|
5.84% p.a. | 5.88% p.a. | $2,947 |
|
Do I Qualify? |
Investor PackageInvestor • Principal & Interest • Up to 80% LVR |
5.78% p.a. | 5.82% p.a. | $2,927 |
|
Do I Qualify? |
Green InvestorInvestor • Principal & Interest • Up to 90% LVR |
5.69% p.a. | 6.03% p.a. | $2,899 |
|
Do I Qualify? |

Your property report
Here’s what you’ll get in the loans.com.au free property report.
The report contains:
A list of the recent sales of properties similar to the one you are looking at.
A list of properties currently on the market, similar to the one you are looking at.
An estimation of the value of the property.
More calculators & tools
Make the switch via loans.com.au
We’ve made refinancing simpler with onTrack – a system that fits your schedule. Upload documents, track progress, and manage your refinancing process at your convenience. Just log in anytime, anywhere

Quick and convenient

Easy document upload

Access anywhere, anytime via mobile or desktop.

Safe and secure
As seen on...
Real-life customer stories




Peta
Meet Peta, an awesome customer of ours who came to us when she wanted to refinance an investment property held by her Self-Managed Super Fund (SMSF)
I run my own conveyancing business in Sydney called the Property Xchange and my husband also works in real estate. We are experienced property investors.
The team was very, very good. Even the loan approval process and the communication were great the whole way through and I felt like it ran very smoothly. Looking back, refinancing was a big saving for us.

Phil
Meet Phil, an engineer who refinanced his SMSF investment property loan to get a better deal
A few years ago I borrowed through my SMSF to buy an investment property. Everything was fine until the rate started rising. I decided to refinance, so it was time to consider my options.
I kept looking and found a few smaller lenders who did, but their rates were high with large upfront and ongoing fees. Then I discovered loans.com.au who offered me a very competitive SMSF loan rate with low upfront costs and ongoing fees.

Erlinda
Meet Erlinda, one of our customers who refinanced to us when she realised she was paying too much interest on her SMSF investment property loan.
I have owned a number of properties in the past, but I sold them all except this one in Melbourne. It is a four-bedroom villa I bought it 2017, after a financial adviser recommended that I set up an SMSF and invest in property to help fund my retirement.
After several rounds of rate increases this year following the RBA rate rises, it was all getting too much. Initially I asked around with the major banks but I found out that, with self-managed super, it is quite a specialised area and most of the banks don’t offer SMSF loans. So somebody suggested to look it up online. That’s how I found loans.com.au.
Meet the team behind Australia's Home of Loans
We have been making it easier for Aussies to access great value home and car loans with our award-winning rates, fast approval and seamless digital experience.
Our home loan application process
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.
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.
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.
Signing document
Check onTrack to received your final approval, mortgage documents and loan agreement. You must sign these and return them in to onTrack.
Settlement
Your loan will settle, and you’ll enjoy your new loan rate.
Access your account
Once settlement is complete, we will send your login credentials to start managing your payments in the Smart Money app.
onTrack
Fast track your loan with onTrack
- Gain 24/7 control of your application
- Get alerts straight to your phone
- Easy to download mobile app
Access at your fingertip
You now have access and complete clarity of your loan application on-the-go with onTrack mobile.
The easy to use mobile app will keep you up-to-date with the progress of your loan anytime, anywhere with alerts straight to your phone. It's now even easier to get your loan approved and settled fast, no matter where you are.
Common refinancing questions
You have the option to add a 100% offset sub-account to your variable home loan. Many people choose to do this to help pay their home loan faster and save thousands on interest payments. 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. find out more information on adding an offset to your home loan.
Related content
At loans.com.au, the only fees you will pay on your home loan are a one-off $300 settlement fee plus a security assessment fee, which for a standard property in a metropolitan area in a major city starts at $230.
Many other lenders may charge an application fee, exit fees, discharge fees, so it’s important to do your research before making your decision.
Related content
Fill out your application online and have an appointment with one of our lending specialists to organise pre-approval of your investment loan. Check the onTrack app to receive your final approval, mortgage documents and loan agreement. You must sign these and return them in to onTrack, which authorises us to deal directly with your existing lender. From this point, you no longer need to pay your previous lender. We pay the loan out by estimating payout costs based on current balance, rate and repayments. Your loan will settle and you'll enjoy new low rates!
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.
Unlike many other lenders, we charge no monthly, annual or ongoing fees. The only fees you will pay on your home loan are a one-off $300 settlement fee plus a security assessment fee, which for a standard property in a metropolitan area in a major city starts at $230 for properties valued up to $1 million.
You can refinance with the equity you have in your existing home. However, if the value has changed significantly you may need to provide deposit up to 10% of the property’s value.
We can provide approval for applicants in as little as 2-3 days, pending the customer's individual circumstances and all correct documentation has been provided. It's important to note that this is not a 'one size fits all' number, and the approval time will depend on each individual applicant's circumstances.
We'd always advise our customers to have the right documentation ready at application stage, so you can move forward with your application as quickly as possible. For more information for documents required for refinancing:
What documents do I need to refinance my home loan?
Accessing more favourable loan features such as an offset sub-account with a Visa debit card, or a loan redraw facility.
Related content
To refinance, you’ll need documents such as payslips, and details of your existing investment loan. For a list on exactly which documents you’ll need to apply for a refinance:
What documents do I need to refinance my home loan?
If you’re ready to refinance, simply fill out your application online by entering some of your details here
Alternatively, chat to one of our friendly lending specialists on 1300 908 671 and they can complete your application for you.
Related content
Guide to refinancing an investment property
Starting your property investment journey? We’ve put together a guide to help you. Here you’ll find a wealth of useful information such as easy steps to apply for a loan, advice on how to buy or refinance your investment property
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?
Tips for a Successful Home Loan Refinance
What is home loan refinance?
Refinancing tips for investment properties
A step-by-step guide to the refinancing process
Guide to switching home loans
Is it good to refinance when house price is falling?
What are the costs of refinancing your home loan?
What you will need to refinance your home loan
Welcome to loans.com.au _
Just in case we lose you, may I ask for your contact details....
Loading Form