One refinance for homeowners who also invest

Owner-occupier rates in a package are typically lower than investment rates. Please speak with your home lending specialist for more details.

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 bold investor bundle. 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.

Our Variable Bare Home Loan is a simple option designed to keep things straightforward. If you’re looking for extra flexibility and a fully featured product, our Variable Bold Home Loan comes with a 100% offset sub-account. This account gives you:

• Full access to your money via online banking, ATMs, EFTPOS, and a Visa debit card

• Unlimited free redraws for added convenience

Learn more about our home loan with an offset sub-account here: 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!

To be eligible for the Variable Bold Investor Bundle rate on your investment, your owner occupied loan must be on the Variable Bold Home Loan product. This product is a fully featured owner occupied loan, with competitive rates and features such as an offset sub-account, Principal & Interest or Interest-Only repayment options, the flexibility of fixed and variable options, and more.

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 bold investor bundle. 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.

Our Variable Bare Home Loan is a simple option designed to keep things straightforward. If you’re looking for extra flexibility and a fully featured product, our Variable Bold Home Loan comes with a 100% offset sub-account. This account gives you:

• Full access to your money via online banking, ATMs, EFTPOS, and a Visa debit card

• Unlimited free redraws for added convenience

Learn more about our home loan with an offset sub-account here: 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!