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)

Already have a loan with us and thinking of investing in another property?

Get rewarded with our investor package rate.

Multi-award winning

Investor Package

5.78

p.a

Rates from^^

5.82

p.a

Comparison rate*

Available when packaged with an owner occupied loan^{^^}
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

Do I Qualify?

Our Google Rating

4.5

515 reviews

Why choose our investor package loan?

Offset available for 0.10%^

Add an offset sub-account with a Visa debit card access to help you to pay off your loan sooner through flexible repayments.

No hidden fees or charges

Access our competitive rates with no hidden fees or charges.

Unlimited free redraws

Make extra repayments with a redraw at no extra cost and save interest with our variable rate loans and benefit from your investment sooner.

Quick and easy process

Apply online or chat to one of our lending specialists for a quick decision and easy application in just 4 steps.

Investor Rates

Repayment Type

Principal & Interest Interest Only

Maximum LVR of 80%

Product	Interest rate from	Comparison rate
Investor Package	5.78% p.a.^^	5.82% p.a.*

Maximum LVR of 80%

Product	Interest rate from	Comparison rate
Investor Package	6.18% p.a.^^	6.13% p.a.*

Key Features

20% 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

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Sharon

Meet Sharon, one of our wonderful customers who asked us for help to buy her family home.

My property journey has a twist. Initially, while living in a 1-bedroom apartment, I decided to buy another apartment as an investment property on a budget of $450,000.
Thankfully, I had a dedicated loans.com.au specialist working with me the whole time, he made it easy, and eventually I found a beautiful 4-bedroom home with a big backyard for our family.

Read story View all

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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!„

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16 Jun 2025

I could not have asked for a better service

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13 Jun 2025

They have exceptional customer service!

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12 Jun 2025

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Joe F.

12 Jun 2025

Had good experience

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11 Jun 2025

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10 Jun 2025

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10 Jun 2025

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10 Jun 2025

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Shiva S.

07 Jun 2025

Our Google rating

4.5 515 reviews

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

Refer your friends or family to loans.com.au and earn big rewards!

When they settle a home loan with us, you'll both receive a $1,000 reward. Plus, if they choose a car loan, you'll get a $250 bonus, and they'll enjoy $150 off their settlement fee. It's our way of saying thanks for spreading the word!

Learn more about Smart Friends

Ready to start saving?

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Do I Qualify?

Already have a loan with us and thinking of investing in another property?

Investor Package

Why choose our investor package loan?

Work out your loan repayments

Your loan details

Investor Package

A variable investor home loan that saves you more.

Investor Rates

Repayment Type

Key Features

Fees

Variable Investor Home Loan eligibility

Real-life customer stories

Join our other customers

Our Google rating

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?

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What is Property Settlement?

How do I manage my payments after settlement?

What are the settlement fees?

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Complete guide to home loan fees

Do you have a 'refer a friend' program?

Real humans based in Brisbane, Australia

Refer your friends or family to loans.com.au and earn big rewards!

Ready to start saving?

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Choosing the best home loan for refinancing

Should you refinance your investment loan?

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What is home loan refinance?

Tips for a Successful 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

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