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Your home and investment loans

Bundle your home loan with your investment loan to start saving thousands, with the loans.com.au Smart Booster Investor Bundle with both owner occupied and investment loans starting with a 1.

  • Option to add an offset for 0.10%^
  • No monthly or ongoing fees
  • Unlimited redraws

Discount Variable 1 year P&I - Terms & Conditions

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Ready to save on your home loan and investment loan?

Get rewarded for choosing loans.com.au for your home loan and investment property. The Smart Booster Investor Bundle is a low 1.99% investment home loan offer, with either Principal and Interest or Interest Only repayments, available when you also get any of our owner occupied loans, including our 1.85%~ (2.21% comparison rate*) Smart Booster Home Loan.

Maximise your investment and start saving thousands on both your investment property and your own home.

If you are an investor and have at least a 20% deposit, you can take advantage of the 1.99% variable rate for the first 12 months of your loan.

What’s so good about the Smart Booster Investor Bundle?

The Smart Booster Investor Bundle is our lowest investment home loan which allows you to save thousands on both your investment property and your owner occupied property, by getting both your home loan and investment property rates starting with a 1.

You also have the option to split this loan with one of our low fixed rate loans. You’ll have unlimited repayments and unlimited free redraws, with the option to add an offset sub-account to the loan.

We’re here to help you save thousands.

Get started

Ready to get low rates for your home loan and investment property? Simply apply online or chat to a lending specialist and they can do the hard work for you. We make the process easy so you can stop paying too much.

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Talk to a lending specialist

Book a call with one of our experienced lending specialists and they can complete your application for you.

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Ready to apply?

Call us on 13 10 90 or select “Apply Now” to begin your online home loan application.

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Does your investment property start with a 1?

Introducing our Smart Booster Investor Bundle

my-home

My
home

  • 1.85% discount variable p.a.~
  • 2.21% comp rate p.a.*
+
my-investment

My
investment property

  • 1.99% discount variable p.a.+
  • 2.71% comp rate p.a.*

Interest rates

Product Name

Principal & Interest rate p.a.

Interest Only rate p.a.

Rollover Rate

LVR

Smart Booster Investor Bundle+
Discount Variable - 1 year

1.99%
2.71% comp rate*

1.99%
2.71% comp rate*

2.74%

80%

Smart Booster Home Loan~
Discount Variable - 2 year

1.85%
2.21% comp rate*

NA

2.25%

80%

Smart Investor^^

2.74%
2.76% comp rate*

2.99%.
3.01% comp rate*

NA

80%

Principal & Interest rate p.a.

1.99%
2.71% comp rate*

Interest Only rate p.a.

1.99%
2.71% comp rate*

Rollover rate

2.74%

LVR

80%

Principal & Interest rate p.a.

1.85%
2.21% comp rate*

Interest Only rate p.a.

NA

Rollover rate

2.25%

LVR

80%

Principal & Interest rate p.a.

2.74%
2.76% comp rate*

Interest Only rate p.a.

2.99%
3.01% comp rate*

Rollover rate

NA

LVR

80%

Want to see more home loan options? Compare our home loans

Reasons to add an offset

Add an offset sub-account with Visa debit card access to your loan to help you to pay it off faster and with less interest.

No ongoing or monthly fees
Online, ATM and Visa debit card access to your money
  
Pay less interest on your loan!

Whenever you put money into your offset sub-account, that money is 100% "offset" against your home loan, with Visa debit card access. So, if you had a home loan of $350,000 and $10,000 in your offset sub-account, you only pay interest on the $340,000.

You can even maximise the "offset effect" by arranging for your salary to be paid into your offset sub-account. In this way your money is immediately put to work for you, saving interest!

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offset-chart
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Top reasons to choose this loan

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Offset available for 0.10%^

Add an offset sub-account with Visa debit card access to your loan to help you to pay it off faster and with less interest.

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No monthly or ongoing fees

Having zero recurring fees means you save thousands over the course of your loan.

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Unlimited free
redraws

Reduce your loan term, whilst still having access to your savings.

$0

Application fee

As an online lender, we save in overhead costs and pass those savings directly on to you. So, we don't charge you an application fee.

$0

Ongoing fees

No recurring monthly or annual fees helps save you thousands over the life of your loan.

$0

Repayment fee

No fees to make additional repayments and no limit to the number of additional repayments you can make, so you can pay your loan off sooner.

VIEW ALL FEATURES

Calculate your home loan repayments.



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DO I QUALIFY?
Calculator Assumptions
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Borrowing power

Calculate how much you can borrow in under 5 minutes. Simply fill in your income, expenses to estimate how much you can borrow for your home.
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Stamp duty

Use this calculator to determine how much stamp duty you'll need to pay. Simply enter your location and the value of your home.

Our process for your home & investment loans

At loans.com.au, we make borrowing simple. We’re here to help you from application through to settlement and provide some of the lowest rates available for your home and investment properties.

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Apply online

Fill out our application online or talk to one of our Australian-based lending specialists to do the hard work for you.

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Goodbye paperwork!

Login to onTrack and easily upload the required documents. Plus, you can track your application through to approval.

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Settle & save

Our innovative online process gets you to settlement quickly, so you can start saving thousands on both your home and your investment property sooner.

HOME LOAN PROCESS

Frequently asked questions

Yes, you can apply for the 1.99% Smart Booster Investor Bundle for your investment property.
In order to be eligible, you must also get or have an owner occupied loan from loans.com.au. Our lowest variable home loan rate is currently our Smart Booster 1.85%, you are eligible for the 1.99% investment rate with any of our owner occupied loans.
Yes, this offer is available for both Principal and Interest, as well as Interest Only repayments.
To be eligible, you need to have at least a 20% deposit, and you’ll need to get an owner occupied loan with loans.com.au.
Great question! At the end of the 12 months, the rate reverts to a 2.74% variable rate. If you'd like the security of a fixed loan but the benefits of this low variable rate, you could also consider a split loan. We currently offer a low fixed investment rate.
There are a few documents you’ll need to provide in your home loan application. Some of these include:

  • Two (2) most recent consecutive payslips for each applicant
  • Three (3) months bank statements showing regular salary credits, including most recent salary credits with the name of the employer evident
  • Evidence of Salary Sacrifice or Packaging (if applicable)
  • Evidence of Company Vehicle/Car Allowance (if applicable)
  • Six (6) consecutive months of home loan statements showing consistent repayment history (if applicable)
If you are an employee, you'll need to supply a couple of recent consecutive payslips to confirm your income and employment. You will also need to provide up to three months’ worth of bank statements showing your salary paid by your employer and other income. An internet transaction history will generally do.

If you have income paid to more than one account you'll need statements for all those accounts. Alternatively, you could provide your most recent Tax Assessment Notice and a letter from your employer that confirms your salary.

If you're self-employed, the paperwork will be slightly different. When you refinance a loan, you'll need to provide evidence of your ability to make repayments, so your lender will request two years of business and personal tax returns and ATO assessments.
loans.com.au requires a minimum deposit of 10% of the purchase price of the property, or the current value of the property if you are refinancing.

To avoid paying Lenders Mortgage Insurance (LMI), borrowers need a 20% deposit in most cases.
You can see if you prequalify for your home loan using this link: https://www.loans.com.au/pre-qualify/ Once you have completed this, we can generally get preliminary approval to you within 48 hours.
The settlement process is different depending on each individual applicant’s personal situation, but we generally say it can take anywhere between 4 to 6 weeks. To get to settlement, you'll need to apply, speak to one of our lending specialists, upload your documentation, get the property valued, have your loan approved and the documentation delivered and signed, then you'll settle.
We charge a $300 settlement fee plus a valuation fee. The valuation fee for a standard property in a metropolitan area in a major city starts at $220 for properties valued up to $1 million. The valuation fee is not refundable and is payable when the valuation is ordered.
After settlement, you’ll nominate on your direct debit form when you start repayments. Our Customer Care team will also confirm your repayment dates when calling you at loan settlement. Additional repayments into a fixed home loan are allowed and are up to $10,000 per year.
We sure do! Introduce someone to loans.com.au and we'll give you a $450 bonus when they settle their loan with us! They will also get $150 off their settlement fee.

Once your loan application has been submitted, you will be given access to our online portal onTrack. In onTrack, we will collect some more information from you and you can track your application. When your loan settles, you will be given your referral code in onTrack.

You can refer as many people as you like!
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At loans.com.au, we help people into their dream homes and cars.

For the last 10 years, thousands of Aussies have trusted our experienced & locally based team with some of their biggest financial decisions - buying a home, a new car or refinancing to save on interest.

Our customers trust us to support them with low home loan and car loan rates, approved quickly through our easy-to-use online app.

loans.com.au is completely safe and financially backed by Firstmac, Australia’s 12th largest lender. Firstmac has been operating successfully for more than 40 years, and has $14 billion in mortgages under management, as Australia’s leading non-bank lender.

We are also actively involved in our local community with our loans.com.au Women, Children & Community Program designed to support Australian charities on their mission to raise awareness for important causes.

Read our story

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Our experienced lending specialists can answer any questions you have on bringing across your home and investment loan and how we can help you to start saving.

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