You have the option to add a 100% offset sub-account to your 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. For more information on adding an offset click here.

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 a low rate on your investment loan because of our online model. We don't have to pay for branches or broker commissions, which means we are able to pass our savings directly on to you through low home loan rates and and no ongoing, annual or monthly fees.

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? 

There are many benefits to refinancing your home loan, such as:

• Paying less interest over the life of the loan, saving you thousands.
• Reducing your loan term by a matter of years
• Accessing new features, like an offset sub-account to save on interest repayments and get Visa debit card, online & EFTPOS access to your money.
• Accessing equity, which is the amount you’ve paid off on your current loan.

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.