Get rewarded with our investor package rate
Save More by Packaging Your Owner-Occupier and Investment Loans
Investor Package (P&I)
-
Borrow up to 80% LVR at a discounted rate^^ -
Offset sub-account available for +0.10%^
-
No transaction fees for redraws
-
No monthly or ongoing fees
Bundle your owner-occupied and investment property loans to access our investor package, featuring competitive rates and benefits such as Principal & Interest repayments, an optional offset sub-account, and unlimited redraws to support your property goals.
By combining your investor and owner-occupier loans, you could borrow up to 80% LVR at a discounted rate.
Whether you're purchasing or refinancing, our Australian-based lending specialists can tailor a solution to suit both owner-occupier and investment needs.
Clear, Competitive, and Built for Investors
Bundle your owner occupied and Investment loans
Borrow up to 80% LVR at a discounted rate
Free redraws and extra repayments on both loans
Offset available for just 0.10% p.a.^
Our home loan interest rates
| Home Loan | Interest Rate | Comparison Rate | Monthly Repayment | Product Features | Details |
|---|---|---|---|---|---|
Investor PackagePackage with an owner occupied loan and borrow up to 80% LVR^^ |
5.49% p.a. | 5.53% p.a. | $2,836 |
|
Do I Qualify? |
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? |
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? |
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.
An investor package loan that saves you more.
Here’s your new offer
Repayment Type
Maximum LVR of 80%
| Product | Interest rate from | Comparison rate |
|---|---|---|
| Investor Package | 5.49% p.a.^^ | 5.53% p.a.* |
| 20% deposit minimum | Yes |
|---|---|
| Up to 30 years loan term | Yes |
| Available for refinance or purchase | Yes |
| Unlimited additional repayments | Yes |
|
Yes |
| Application fee | $0 |
|---|---|
| Ongoing fees | $0 |
| Security assessment fee | $230## |
| Government fees | At cost |
| Settlement fee | $300 |
Emma
Our investor package home loan application process
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 confirm the correct package offering for you, guide you through the loan process, including getting a pre-approval.
Approval & Signing
Review and sign your mortgage documents and loan agreement via onTrack.
Settlement
Your loan settles, which means your funds will be ready.
Manage Your Loan
You'll receive your login details to manage your repayments and account details via our Smart Money app.
Investment Properties FAQs
If you have an existing owner occupied home loan with loans.com.au, and you're thinking of purchasing an investment property, you may be eligible for a discounted investment home loan up for 80% LVR. Similarly, if you’re settling an owner occupied home loan and an investment home loan at the same time, you could also be eligible for our investor package. Speak to one of our home lending specialists to learn more.
Equity is the value of your home, less any money owed on it. For example, if your house is valued at $600,000 and the current debt is $250,000, the equity in the home would be $350,000.You can leverage the equity in your home to cover the deposit on a new property, using your existing property as collateral. It's great to make the first step to enter the property market because once you're in, using equity is generally much easier than saving for another deposit. Find out more about using equity to buy another home.
If you purchase an investment property, you are likely to come across the term "gearing". This means borrowing for the purpose of investing.If you borrow to make an investment it can be negatively geared - where interest repayments exceed net income, or positively geared where net income exceeds repayments.Negative gearing means that the cost of owning an investment property outweighs the rental income it generates. As an example, assuming your rental property earns $20,000 in one year and the expenses of owning the property (loan repayments, body corporate fees, maintenance, etc.) are $25,000. You will have a loss of $5,000 which you can claim as a tax deduction.One benefit of this is the ability to claim tax deductions and reduce your taxable income. Additionally, a negatively geared property investment may appreciate in value over time.It's important to note the risk involved in negative gearing because you are losing money, so you'll need to be aware of this so you can budget and prepare for the losses.
Owner-occupier rates in a package are typically lower than investment rates. Please speak with your home lending specialist for more details.
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/
An offset sub-account is linked to your home loan and helps reduce the interest you pay. Instead of earning interest like a regular savings account, the balance in your offset reduces the portion of your loan that accrues interest. This can help you pay off your loan faster and save on interest costs.
Key things to know:
- It's a sub-account of your loan, not a separate deposit account.
- Funds in the offset sub-account are not covered by the government deposit guarantee.
- The offset cannot exceed your home loan balance.
If you have any questions, our friendly team is here to help!
Who is loans.com.au?
loans.com.au is a proudly Australian, award-winning online lender based in Brisbane. Since we were founded in 2011, we have grown to become an industry leader with thousands of happy customers in every state and territory. We are powered by the strength of Firstmac, Australia’s leading non-bank lender.
Sarah
Lending Specialist
Real humans based in Brisbane, Australia
As an experienced lending specialist, Sarah and our team can answer all your questions to get you on track and start saving thousands.