Planning to Buy an Investment Property Through Your Trust?
Benefit from competitive investment loan options and a seamless process designed to support your investment property portfolio.
Variable Bare Investor Home Loan
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Borrow up to 90% LVR
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Principal & Interest (P&I) repayments
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No transaction fees for redraws
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No monthly or ongoing fees
Looking to grow your property portfolio through a trust? We’re here to help
Whether you're investing through a family, discretionary or unit trust, our specialist team makes the process simple. We offer a range of competitive investment loans designed for trust structures, with flexible features and repayment options to support your long‑term strategy.
Our investment property loans
| Home Loan | Interest Rate | Comparison Rate | Monthly Repayment | Product Features | Details |
|---|---|---|---|---|---|
Variable
Variable Bold Investor BundleBundle with an owner occupied loan and borrow up to 80% LVR |
6.09 % p.a. | 6.13 % p.a. | $3,027 |
Offset sub-account available No transaction fees for redraws No monthly or ongoing fees |
Do I Qualify? |
Variable
Variable Bare Investor Home LoanBorrow up to 90% LVR |
6.09 % p.a. | 6.13 % p.a. | $3,027 |
A competitive investor variable rate No transaction fees for redraws No monthly or ongoing fees |
Do I Qualify? |
Variable
Variable Bold Investor Home LoanBorrow up to 90% LVR |
6.19 % p.a. | 6.23 % p.a. | $3,059 |
Offset sub-account available No transaction fees for redraws No monthly or ongoing fees |
Do I Qualify? |
Why choose our Investor Home Loan
Flexible repayment options to suit investment strategy
No monthly or ongoing fees
Smart features like unlimited free redraws
Borrow up to 90% LVR
Frequently asked questions
Yes, we are. We continue to support eligible Trust structures with competitive investment loan options and a smooth, specialist‑guided process.
We offer home loans to Corporate Trusts, where a company acts as the Trustee on behalf of the Trust.
Common Trust structures used for property investment include:
Family Trusts
Discretionary Trusts
Unit Trusts
If you're unsure which type you have, your accountant or adviser can help clarify.
Yes, you can, as long as the loan meets our credit criteria. Our friendly lending specialists can review your current Trust setup and help you explore your refinancing options.
Trust loans can involve extra documentation, but our lending specialists are experienced in working with Trust structures. With the correct documents upfront, approval times are typically smooth and efficient.
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Your guide to buying an investment property
Investing in property involves a few key steps, and understanding them early can make the process much smoother. This guide explains the basics of buying an investment property, including how investment loans work, and how to get pre qualified so you know your borrowing power before you start inspecting properties. With the essentials covered in one place, you’ll be better prepared to move confidently through each stage of your investment journey.
Who is loans.com.au?
Established in 2011, loans.com.au is one of Australia's first online lenders offering great value and award-winning car and home loans. Part of the Firstmac Group, Australia’s leading non-bank lender, we’re backed by four decades of expertise. Our Brisbane-based lending specialists have helped thousands of customers make confident decisions and save on their home and car buying journeys.
Real PeopleReal StoriesReal Wins
Emma
Emma
Meet Emma, one of our customers who refinanced to us years ago, and recently came back for help with purchasing an investment property.
We wanted to buy an investment property. We were already a loans.com.au customer after my sister recommended loans.com.au as an option with lower rates and better processes than the banks.
We had a smooth experience staying with loans.com.au, made applying for an investment property very easy.
Bradley
Bradley
Meet Bradley, an amazing customer of ours who came to us when he wanted to refinance a complex home loan and kickstart his property investment journey.
Bradley had been with a major bank for over 20 years when he decided to restart his property investment journey. During the COVID period, he began looking into ways to unlock the equity in his home and expand his financial portfolio. However, the experience with his existing bank was anything but smooth.
With a background in engineering and a busy family life, Bradley wanted a streamlined and supportive lending experience that could help him achieve his goals without the red tape.
Kunal
Kunal
Meet Kunal, a customer of ours who came to us when it was time to refinance some investment properties with his wife.
Kunal is a keen property investor who owns four properties, three of which are investment properties located in the northern suburbs of Melbourne
I used comparison websites to find out which lenders have the best rates and products, which turned out to be loans.com.au. Their products are fantastic.
Claire
Claire
Meet Claire, an awesome customer of ours who came to us when she wanted to refinance her home loan and later purchase an investment property.
Claire and her husband were originally with a major bank on a fixed-rate home loan. When the fixed term expired, they saw an opportunity to shop around for a more competitive rate rather than defaulting to the standard variable rate.
Claire wanted to avoid the higher variable rate from her existing lender and find a better deal elsewhere.
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Kathryn
Lending Specialist
Ready to talk with a real person about our investment home loan?
Our experienced investment home lending specialists are here to guide you through the process. Let’s chat about your home loan options today.