We help make refinancing your investment loan easy.
While refinancing for one or more investment properties may sound like a big task, with the help of our team it doesn’t have to be.
At loans.com.au, refinancing your loans for your investment properties is as simple as applying online in under 2 minutes, chatting to a lending specialist then uploading your documents in the onTrack app. After this, you’ll sign your loan documentation, we’ll pay your existing lender then you’ll settle!
If the refinancing process is new to you, you can chat to our team on 13 10 90, or on onTrack, or on LiveChat. Or, you can manage the entire application yourself through the onTrack app.
We’re here to help as little or as much as you need, and most importantly, save thousands on your investment loan.
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2.99%
variable rate p.a.^^ -
3.01%
comparison rate p.a.*
The Smart Investor will save you money on interest and fees to make it easy to buy an investment property.
Why refinance with loans.com.au?
Low interest rates
We can offer rates much lower than some banks and lenders. Fewer overheads mean doing business costs less and those savings translate directly into lower interest rates and fees for your investment loan. Why not start saving thousands?
Australian based support team
We have an experienced, Australian based team. At every step of your refinance journey, you’ll talk to a real person from our friendly team of lending specialists who are here to help you settle as soon as possible so you can reduce your interest repayments and stop paying too much on your investment loan.
Flexible options
We offer great low rates on our fixed, variable and split home loans. We also offer discounts for large deposits or customers with owner occupied and investment properties. No matter what you’re looking for, loans.com.au has the right loan for your investment property.
Award winning
We have many happy customers who are sick of their bank and refinance their home loans and investment loans to us, but don’t just take our word for it. We’re also recognised by the experts. By keeping interest rates low and providing exceptional service, quick approvals and turnaround times, we keep on winning awards for our loans, year after year!
We deal with your existing lender
After you’ve been approved, you’ll no longer pay your old lender interest, even if they drag their heels on discharging the loan. We’ll handle dealing with your old lender and do all the hard work for you!
onTrack advantage
onTrack is our online app which allows you to complete your home loan application on your device from initial contact through to settlement and beyond. In onTrack you can complete your refinance application in your own time, as it suits you.
Our Refinance Process
loans.com.au makes refinancing simple so you can stop paying too much on your investment loan. Go from application to settlement in a few steps. Here's how.
Apply online
Talk to a lending specialist
Talk to a loans.com.au lending specialist in our Australian-based call centre
Goodbye paperwork!
Upload your documents in a flash and track your progress in onTrack
Quick pay out
Pay your existing investment loan quickly, and start saving sooner with our low rates
Smart Money
Access your new account via Online Services
Common refinancing questions
What documents do I need to refinance my home loan?
If you’re ready to refinance, simply fill out your application online by entering some of your details here
Alternatively, chat to one of our friendly lending specialists on 13 10 90 and they can complete your application for you.
- Paying less interest over the life of the loan, saving you thousands.
- Reducing your loan term by a matter of years
- Accessing new features, like an offset sub-account to save on interest repayments and get Visa debit card, online & EFTPOS access to your money.
- Accessing equity, which is the amount you’ve paid off on your current loan.
Many other lenders may charge an application fee, exit fees, discharge fees, so it’s important to do your research before making your decision.
We'd always advise our customers to have the right documentation ready at application stage, so you can move forward with your application as quickly as possible. For more information for documents required for refinancing:
What documents do I need to refinance my home loan? .
Home loan repayment calculator
Use our home loan calculator to estimate what your monthly mortgage repayments could be. Whether you're refinancing or just wanting to understand how much you can afford, all you have to do is enter how the amount you would like to borrow, interest rate, home loan term, payment frequency, and repayment type (either principal & interest or interest-only).
Your estimated repayments are
Searching for an affordable home loan rate? Look no further! The Smart Booster will help you boost your equity and own your own home sooner.
Get started
Apply online or speak to one of our Australian based loan specialists who will take care of all the paperwork for you. Applying is easy and we can settle your loan quickly so you start saving sooner. With loans.com.au you can have confidence in dealing with Australia's largest non-bank lender.
How much can I borrow?
It takes less than 3 minutes to calculate your borrowing power!
Ready to apply or want pre-approval?
Give us a call on 13 10 90 or start an online application.
Useful Resources
Guide to refinancing an investment property
Starting your property investment journey? We’ve put together a guide to help you. Here you’ll find a wealth of useful information such as easy steps to apply for a loan, advice on how to buy or refinance your investment property.
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