Your streamlined Variable Bare Investor Loan
Straightforward, competitive lending to grow your property portfolio
Variable Bare Investor Home Loan
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Borrow up to 90% LVR -
Principal & Interest (P&I) repayments
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No transaction fees for redraws
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No monthly or ongoing fees
Why choose our Variable Bare Investor Home Loan
Flexible repayment options
Zero monthly or ongoing fees
Unlimited free redraws
Quick & easy process
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.
Get a free property report
takes 5 minsYour property report includes recent sales of similar homes in the area, a list of comparable properties currently on the market, and an estimated value for the property you’re interested in.
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.
Frequently asked questions
Buying an investment property is a popular choice of investment for many Australians. Compared to other forms of investment like shares, bonds and ETFs - investing in property is easy to understand.
Some benefits of purchasing an investment property may include:
- Potential tax benefits for property investors
- Potential capital growth
- Relatively stable investment
- Passive income
Our Variable Bare Investor 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 Investor Home Loan comes with a 100% offset sub-account which gives you:
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Full access to your money via online banking, ATMs, EFTPOS, and a Visa debit card
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Unlimited free redraws for added convenience
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.
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!
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
Our home loan application process
Apply Online
Complete your application through our online platform. Don't forget to contact your current lender to request a 'Discharge Authority Form' from your existing loan.
Upload & Track
Submit your documents and monitor your application in real time via our onTrack portal.
Speak to our Specialist
Our lending specialists will guide you through the process to switch over and refinance your home loan.
Approval & Signing
Review and sign your mortgage documents securely via onTrack.
Settlement
Your loan settles, which means your funds will be ready to be paid out to your previous lender.
Manage Your Loan
You'll receive your login details to manage your repayments and account details via our Smart Money app.
Meet the team behind Australia's Home of Loans
We have been making it easier for Aussies to access great value home and car loans with our award-winning rates, fast approval and seamless digital experience.
Marcus
Customer reviews
Our Google Rating
Kathryn
Lending Specialist
Real humans based in Brisbane, Australia
Our experienced home lending specialists are here to help. Let's chat about your home loan options today.