Refinance your investment loan
Make the switch today and start saving on your investment loan repayments sooner.
Multi-award winning
Variable Investor Home Loan
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Borrow up to 90% LVR at a discounted rate -
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
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 LoanBorrow up to 90% LVR at a discounted rate+ |
5.59% p.a. | 5.63% p.a. | $2,867 |
|
Do I Qualify? |
Investor PackagePackage with an owner occupied loan and borrow up to 80% LVR^^ |
5.53% p.a. | 5.57% p.a. | $2,848 |
|
Do I Qualify? |
Solar InvestorBorrow up to 90% LVR at a discounted rate for 5 years~~~ |
5.44% p.a. | 5.78% p.a. | $2,820 |
|
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.
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 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 process for refinancing
Apply Online
Complete your application through our online platform.
Upload & Track
Submit your documents and monitor your application in real time via our onTrack portal.
Speak to our Specialist
Our lending specialists will guide you through the process to switch over and refinance your home loan.
Approval & Signing
Review and sign your mortgage documents securely via onTrack.
Settlement
We'll liaise with your current lender to discharge your existing loan - you don't need to notify them.
Manage Your Loan
You'll receive your login details to manage your repayments and account details via our 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
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
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