LCA - FAQ - What documents will I need to provide to apply?

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)

Your variable investor home loan.

An affordable home loan offering you flexibility and features that can be tailored to suit your needs.

Multi-award winning

Variable Investor Home Loan

5.84

p.a

Rates from+

5.88

p.a

Comparison rate*

Discounted investor loan rate⁺
Offset sub-account available for +0.10%^
No monthly or ongoing fees
Fee Free redraw on any additional repayments
Pay your bills via BPAY
Access your account via Smart Money app

Do I Qualify?

Our Google Rating

4.5

524 reviews

Why choose a variable rate home loan?

Offset available for 0.10%^

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

Zero monthly or ongoing fees

Enjoy a variable rate home loan with no hidden fees or charges.

Unlimited free redraws

Benefit from our variable rate home loan by making extra repayments on your loan with unlimited redraws at no extra cost. It's that easy.

Quick and easy process

Apply online or chat to one of our Australian based home lending specialists, for a quick decision and easy application.

Investor Rates

Repayment Type

Principal & Interest Interest Only

Maximum LVR of 90%

Product	Interest rate from	Comparison rate
Variable Investor Home Loan	5.84% p.a.+	5.88% p.a.*

Maximum LVR of 90%

Product	Interest rate from	Comparison rate
Variable Investor Home Loan	6.24% p.a.+	6.16% p.a.*

Key Features

10% deposit minimum	Yes
Up to 30 years loan term	Yes
Available for refinance or purchase	Yes
Unlimited additional repayments	Yes
	Yes

Fees

Application fee	$0
Ongoing fees	$0
Security assessment fee	$230
Government fees	At cost
Settlement fee	$300

Variable Investor Home Loan eligibility

Do I Qualify?

Real-life customer stories

View all

Marcus

Meet Marcus, the 31 year old with 6 investment properties and learn how he achieved his investment portfolio.

I am a keen property investor and intend to retire on passive income from my property portfolio. I bought my first property in 2012 which was a 1 bed apartment in Neutral Bay NSW.
With lending requirements tightening, I was unable to borrow more regardless of being able to afford it, until I approached loans.com.au and in 2018 I bought another property, and another in 2020. In my partner’s name we bought an O/O in 2019, and we just knocked down the cottage and are building our dream house.

Read story View all

Join our other customers

Absolutely brilliant, professional and very informative

“What a joy to deal with Liam and Emira from Loans.com. I started applying for my car loan last Thursday and by Tuesday afternoon the car dealer was paid. Liam and Emira were absolutely brilliant, professional and very informative. My mortgage comes off fixed next June and I know where I will be moving to. Thank you for everything.„

Carolyn G.

19 Jun 2025

The loan process was really easy and quick

“The loan process was really easy and quick. Staff is really friendly and keep you updated. Highly recommended.„

Vishal K.

18 Jun 2025

The fastest and easiest process I have ever had in regards to any finance

“The fastest and easiest process I have ever had in regards to any finance. From first chat to settlement in 24 hours and constant communication the entire way! Trina is first class! Emira was SENSATIONAL! BEYOND RECOMMEND!„

Brian S.

17 Jun 2025

The team was absolutely amazing to deal with

“I have dealt with Jessica on a recent new home loan application and Jessica and the team was absolutely amazing to deal with. Super quick and kept with in the loop throughout the process. Second to none customer services!„

Simon L.

16 Jun 2025

I could not have asked for a better service

“The service and follow up provided by the loans.com.au team was impeccable. I could not have asked for a better service.„

Caraman C.

13 Jun 2025

They have exceptional customer service!

“I was referred to loans.com.au and now I see why, they have exceptional customer service! I feel so fortunate to have had Rena and Trina handle my application. They were both incredibly friendly, kind, and efficient when it came to processing and approving my application. They genuinely care about helping others and made the entire process smooth and enjoyable.„

Rojina R.

12 Jun 2025

I was very impressed with loans.com.au

“I was very impressed with loans.com.au pragmatic credit policies and the excellent service I received from Emira and Trina in applying for and settling my car loan. They also have 2 very user friendly apps to help with the process. Very easy to deal with, I would definitely recommend them to anybody wanting a stress free and smooth experience.„

Joe F.

12 Jun 2025

Had good experience

“Had good experience with Jasmine and Tiffany who supported me along the way from getting a pre-approval quickly, through the purchase and to the settlement. Not to mention competitive rates and borrowing power they provide.„

Gleb L.

11 Jun 2025

Had a great experience with loans.com.au

“Had a great experience with loans.com.au. Was the best rate/lowest fees I could find and the service was faultless. I won't be going anywhere else for vehicle financing in the future.„

John M.

10 Jun 2025

I am tremendously satisfied

“I am tremendously satisfied with Sonia and Harriet’s assistance with my loan applications. Loans.com was recommended by a family friend and Sonia portrayed immense knowledge and professionalism when working with me to get the best financial outcome. Sonia has exceptional expertise in her subject matter and was incredibly responsive, and together the team made sure I was able to meet my deadline without any stress. Fantastic experience – will highly recommend Sonia and her team at Loans.com!„

Ridhima G.

10 Jun 2025

If I could give 6 stars in this review I would

“In all my dealings with loans over the years, Stuart is hands down one of the best I’ve ever come across. His professionalism, responsiveness, and genuine willingness to help sets a new standard. I would absolutely recommend loans.com.au—and especially Stuart—to anyone looking for a hassle-free and professional mortgage experience. If I could give 6 stars in this review I would.„

Beau B.

10 Jun 2025

I love to deal with them directly

“I am with Loans.com.au since 2014 and I have got multiple loans from new purchases and refinance of IP to OO loans. They have been exceeding my expectation every time. I love to deal with them directly and their lending specialist and support staff are second to none compared to other banks including the big 4. Highly recommend!„

Shiva S.

07 Jun 2025

Our Google rating

4.5 524 reviews

As seen on...

It's fast & easy to get a loan with loans.com.au

Apply online

Simply fill out your 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.

Speak to a specialist

You will then have a phone appointment with one of our lending specialists to finalise your application, and help you progress through the loan approval process through to settlement as quickly as possible.

Upload documents (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.

Settle

Your loan will settle, and you’ll enjoy your new loan rate.

Apply Online

How it works

Frequently asked questions

Why do you offer such low rates? What’s the catch?

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.

Does this loan come with an offset sub-account?

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 our home loan with an offset sub-account: https://www.loans.com.au/home-loans/offset-account/

How do I apply?

To apply to any of our loan options, visit: https://www.loans.com.au/apply or call 1300 471 806 and one of our lending specialists can help, or even complete the application for you.

What documents will I need to provide to apply?

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)

How much deposit do I need to have?

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.

How long does it take to get to settlement?

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.

How do I manage my payments after settlement?

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.

What are the settlement fees?

We charge a $300 settlement fee plus a security assessment fee. The security assessment fee for a standard property in a metropolitan area in a major city starts at $230 for properties valued up to $1 million. The security assessment fee is not refundable and is payable when the security assessment is ordered.

Do you have a 'refer a friend' program?

We sure do! Introduce someone to loans.com.au and we'll reward you when they settle their loan with us!

For home loans, we'll give you a huge $1000 bonus when they settle their home loan with us and your friend will also receive $1000.

For car loans, we'll give you a huge $250 bonus when they settle their car loan with us and your friend will also receive $150 off their settlement fee.

Konnie

Lending Specialist

Real humans based in Brisbane, Australia

As an experienced lending specialist, Konnie and our team can answer all your questions to get you on track.

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

View offer

Ready to start saving?

You'll be taken to the pre-qualify page where we get you into seeing if you’re eligible for a loan.

Do I Qualify?

Your variable investor home loan.

Variable Investor Home Loan

Why choose a variable rate home loan?

Work out your loan repayments

Your loan details

Variable Investor Home Loan

Need to know more? Here's the whole offer

Investor Rates

Repayment Type

Key Features

Fees

Variable Investor Home Loan eligibility

Real-life customer stories

Join our other customers

Our Google rating

As seen on...

It's fast & easy to get a loan with loans.com.au

onTrack

Frequently asked questions

Why do you offer such low rates? What’s the catch?

Does this loan come with an offset sub-account?

How do I apply?

What documents will I need to provide to apply?

How much deposit do I need to have?

Related content

How much deposit do I need for a home loan?

How long does it take to get to settlement?

Related content

What is Property Settlement?

How do I manage my payments after settlement?

What are the settlement fees?

Related content

Complete guide to home loan fees

Do you have a 'refer a friend' program?

Real humans based in Brisbane, Australia

Smart friends

Real Good Rewards

Ready to start saving?

Refinance articles

How often should you refinance your home loan?

Choosing the best home loan for refinancing

Should you refinance your investment loan?

Can refinancing your home loan save money?

Tips for a Successful Home Loan Refinance

What is home loan refinance?

Refinancing tips for investment properties

A step-by-step guide to the refinancing process

Guide to switching home loans

Is it good to refinance when house price is falling?

What are the costs of refinancing your home loan?

What you will need to refinance your home loan

Welcome to loans.com.au _