close-icon

Our home loans

  • Discounted investor loan rate
  • Offset sub-account available for +0.10%^
  • 10% deposit minimum
Rates from+
6.34
%
p.a.
Comparison Rate*
6.36
%
p.a.
Monthly repayment#
$3,108
Rates from+
6.34
%
p.a.
Comparison Rate*
6.36
%
p.a.
Monthly repayment#
$3,108

Monthly repayment#
$3,108
  • Available when packaged with an OO loan
  • Offset sub-account available for +0.10%^
  • 20% deposit minimum
Rates from^^
6.28
%
p.a.
Comparison Rate*
6.30
%
p.a.
Monthly repayment#
$3,088
Rates from^^
6.28
%
p.a.
Comparison Rate*
6.30
%
p.a.
Monthly repayment#
$3,088

Monthly repayment#
$3,088
  • Discounted green investor loan rate
  • Offset sub-account available for +0.10%^
  • 10% deposit minimum
Rates from~~
6.19
%
p.a.
Comparison Rate*
6.58
%
p.a.
Monthly repayment#
$3,059
Rates from~~
6.19
%
p.a.
Comparison Rate*
6.58
%
p.a.
Monthly repayment#
$3,059

Monthly repayment#
$3,059
  • Discounted solar investor loan rate
  • Offset sub-account available for +0.10%^
  • 10% deposit minimum
Rates from~~~
6.19
%
p.a.
Comparison Rate*
6.58
%
p.a.
Monthly repayment#
$3,059
Rates from~~~
6.19
%
p.a.
Comparison Rate*
6.58
%
p.a.
Monthly repayment#
$3,059

Monthly repayment#
$3,059
  • Available for purchase and refinance
  • No settlement fee
  • 30% deposit minimum
Rates from*
6.99
%
p.a.
Comparison Rate*
7.00
%
p.a.
Monthly repayment#
$3,323
Rates from*
6.99
%
p.a.
Comparison Rate*
7.00
%
p.a.
Monthly repayment#
$3,323

Monthly repayment#
$3,323
  • Available for Australian or New Zealand citizens
  • Offset sub-account available at no added cost
  • 20% deposit minimum
Rates from*
7.58
%
p.a.
Comparison Rate*
7.60
%
p.a.
Monthly repayment#
$3,524
Rates from*
7.58
%
p.a.
Comparison Rate*
7.60
%
p.a.
Monthly repayment#
$3,524

Monthly repayment#
$3,524
#Based on the dollar value represented in the search fields with P&I repayments and a 30 year loan term.
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

We help make refinancing your investment loan easy.

While refinancing for one or more investment properties may sound like a big task, with the help of our team it doesn’t have to be.

At loans.com.au, refinancing your loans for your investment properties is as simple as applying online in under 2 minutes, chatting to a lending specialist then uploading your documents in the onTrack app. After this, you’ll sign your loan documentation, we’ll pay your existing lender then you’ll settle!

If the refinancing process is new to you, you can chat to our team on 13 10 90, or on onTrack, or on LiveChat. Or, you can manage the entire application yourself through the onTrack app.

We’re here to help as little or as much as you need, and most importantly, save thousands on your investment loan.

Smart friends

Real Good Rewards

As a loans.com.au customer, if you refer a new customer to us we’ll reward you.

$1,000 New Home Loan Customer
$250 New Car Loan Customer
Learn more

Why refinance with loans.com.au?

Low interest rates

Being an online lender with fewer overheads means we’re able to pass on the savings to our customers.

Australian based

Get help when you need it from our friendly team of Australian based, lending specialists.

Flexible options

Looking to save with an offset, or make extra repayments with a redraw? We have a full range of loan features to suit your situation.

Award winning

We keep on winning awards for our products, innovations and customer service, year after year!

Our refinance 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, which authorises us to deal directly with your existing lender.

5
We pay your existing lender

We pay your existing lender

From this point, you no longer pay your old lender interest, even if they drag their heels on discharging the loan. We pay the loan out by estimating payout costs based on current balance, rate and repayments.

6
Settlement

Settlement

Your loan will settle and you’ll start saving with your new loan rate, and get your keys to your new dream home!

7
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 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.

Home loan repayment calculator

Use our home loan calculator to estimate what your monthly mortgage repayments could be. Whether you're refinancing or just wanting to understand how much you can afford, all you have to do is enter how the amount you would like to borrow, interest rate, home loan term, payment frequency, and repayment type (either principal & interest or interest-only).

%
years
years
Estimated savings from repayments graph

Your estimated repayments are

$279.21
$50,000
$50,513

Calculator assumptions

Get started

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.

borrow-icon

How much can I borrow?

It takes less than 3 minutes to calculate your borrowing power!

apply-icon

Ready to apply or want pre-approval?

Give us a call on 13 10 90 or start an online application.

Useful Resources

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 it works - Home Loans - Refinance
1:35

Welcome to loans.com.au _

Just in case we lose you, may I ask for your contact details....



Loading Form