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Loan amount:
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Refinance your investment loan

Make the switch today and start saving on your investment loan repayments sooner.

Multi-award winning

  • awards
  • awards
  • awards

Variable Investor Home Loan

5.84
%
p.a
Rates from+
5.88
%
p.a
Comparison rate*
  • 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
Our Google Rating
4.5
490 reviews

Why Aussies Choose Us

Apply anytime, and from anywhere. image

Apply anytime, and from anywhere.

Fast tracked pre-approval in minutes. image

Fast tracked pre-approval in minutes.

Smarter lending to get you moving sooner. image

Smarter lending to get you moving sooner.

Online convenience, local support. image

Online convenience, local support.

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
5.84% p.a. 5.88% p.a.  $2,947
  • Discounted investor loan rate+
  • 10% deposit minimum
  • Offset sub-account available for +0.10%^
  • No monthly or ongoing fees
  • Fee free redraw on any additional repayments
  • Pay your bills via BPAY
Do I Qualify?

Investor Package

Investor Principal & Interest Up to 80% LVR
5.78% p.a. 5.82% p.a.  $2,927
  • Available when packaged with an owner occupied loan^^
  • 20% deposit minimum
  • Offset sub-account available for +0.10%^
  • No monthly or ongoing fees
  • Fee free redraw on any additional repayments
  • Pay your bills via BPAY
Do I Qualify?

Green Investor

Investor Principal & Interest Up to 90% LVR
5.69% p.a. 6.03% p.a.  $2,899
  • Discounted 5yr green investor loan rate~~
  • 10% deposit minimum
  • Offset sub-account available for +0.10%^
  • No monthly or ongoing fees
  • Fee 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

Refinance calculator

Want to know how much money you could save by refinancing? Use our home loan refinancing calculator to see how much you could save on interest and mortgage repayments by switching to loans.com.au. Simply enter your remaining loan amount, property value, current rate and loan term, and we’ll tell you how much you could be saving by switching to one of our low rate home loans.

Your loan details

Property purpose
%
years
You could save up to
$0

over the life of your loan if you switch to loans.com.au

Most Popular

Variable Home Loan

Owner Occupied Principal & Interest Up to 90% LVR
Get a loans.com.au competitive rate you'll be celebrating for years!

Interest rate
5.54 %   p.a.
5.58% p.a.

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

Ontrack: Quick and Convenient image

Quick and convenient

Ontrack: Easy document upload image

Easy document upload

Ontrack: Access anywhere, anytime via mobile or desktop. image

Access anywhere, anytime via mobile or desktop.

Ontrack: Safe and secure image

Safe and secure

Get ahead with the right home loan

Get a pre-approval decision quickly.

Real-life customer stories

View all
Slide 1

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.

Slide 1

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.

Slide 1

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.

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 enjoy your new loan rate.

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 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

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.

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.

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.

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

Get ahead with the right home loan

Get a pre-approval decision quickly.

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