Investing in property? Get rewarded by a package rate discount.
Don’t just take advantage of our real low home loan rates. Save more. Enjoy an extra discount on your investment property loan rate when you package your owner-occupied loan with us too.
Get started
Apply online today. Or, one of our friendly lending specialists can do the hard work for you and manage your paperwork over the phone.
Either way, we can settle your loan quickly so you can start saving thousands sooner.
Variable Investor
Home Loan Rates
Investor Package Rates
Product Name
Max LVR
Principal & Interest Rate p.a.
Interest Only Rate p.a.
Investor Package^^
SPECIAL OFFER
80%
6.28%
6.30% comp rate p.a.*
6.68%
6.70% comp rate p.a.*
Investor Package^^
80% Max LVR
Principal & Interest
Initial rate p.a.
Comp rate p.a.*
Interest Only
Initial rate p.a.
Comp rate p.a.*
Want to see more home loan options? Compare our home loans
Want to see more home loan options? Compare our home loans
Reasons to add an offset
Add an offset sub-account with Visa debit card access to your loan to help you to pay it off faster and with less interest.
Whenever you put money into your offset sub-account, that money is 100% "offset" against your home loan, with Visa debit card access. So, if you had a home loan of $350,000 and $10,000 in your offset sub-account, you only pay interest on the $340,000.
You can even maximise the "offset effect" by arranging for your salary to be paid into your offset sub-account. In this way your money is immediately put to work for you, saving interest!
Digital wallets
Add your card to your digital wallet to make contactless payments on your devices.
Pay in store using your iPhone, Apple Watch, iPad and Mac devices. Apple Pay is also the safer and faster way to pay on participating websites and in selected apps because you no longer have to create an account or fill out lengthy forms.
Top reasons to choose this loan
Offset available for 0.10%^
Add an offset sub-account with Visa debit card access to your loan to help you to pay it off faster and with less interest.
No monthly or ongoing fees
Having zero recurring fees means you save thousands over the course of your loan.
Unlimited free
redraws
Reduce your loan term, whilst still having access to your savings.
$0
Application fee
As an online lender, we save in overhead costs and pass those savings directly on to you. So, we don't charge you an application fee.
$0
Ongoing fees
No recurring monthly or annual fees helps save you thousands over the life of your loan.
$0
Repayment fee
No fees to make additional repayments and no limit to the number of additional repayments you can make, so you can pay your loan off sooner.
Frequently asked questions
- 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)
If you have income paid to more than one account you'll need statements for all those accounts. Alternatively, you could provide your most recent Tax Assessment Notice and a letter from your employer that confirms your salary.
If you're self-employed, the paperwork will be slightly different. When you refinance a loan, you'll need to provide evidence of your ability to make repayments, so your lender will request two years of business and personal tax returns and ATO assessments.
To avoid paying Lenders Mortgage Insurance (LMI), borrowers need a 20% deposit in most cases.
Once your loan application has been submitted, you will be given access to our online portal onTrack. In onTrack, we will collect some more information from you and you can track your application. When your loan settles, you will be given your referral code in onTrack.
You can refer as many people as you like!
At loans.com.au, we help people into their dream homes and cars.
For the last 10 years, thousands of Aussies have trusted our experienced & locally based team with some of their biggest financial decisions - buying a home, a new car or refinancing to save on interest.
Our customers trust us to support them with low home loan and car loan rates, approved quickly through our easy-to-use online app.
loans.com.au is completely safe and financially backed by Firstmac, Australia’s 12th largest lender. Firstmac has been operating successfully for more than 40 years, and has $16 billion in mortgages under management, as Australia’s leading non-bank lender.
We are also actively involved in our local community with our loans.com.au Women, Children & Community Program designed to support Australian charities on their mission to raise awareness for important causes.
Read our storyJoin our other loans.com.au customers
“Exceptional service! Grateful to Ray for guiding us through the home loan process for our first home. His expertise, responsiveness, and personalised approach made everything smooth. Highly recommend. Thank you Ray and team.„
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“Ray has been extremely helpful in setting up my refinance, he made the process so easy and was happy to take the time to answer all my questions. Thanks Ray!„
“Ray was an absolute pleasure to work with. His knowledge and years of experience meant he was able to assess our complex situation to find the best outcome for us. Ray thank you so much for your help and support every step of the way!„
“A big thanks to Ray and his team for making this process seamless. Professional advice and communication throughout the process. Professional and less stressful application than with any other we have been involved in before.„
“Great customer service, thanks Ray!„
“Ray was simply amazing! He took on my crazy timing request and helped drive the process to conclusion. Took some of the stress out of purchasing a property!„
“Incredible company that has 10/10 customer service. Quick efficient and friendly!.„
“Ray couldn’t have made the process of refinancing any easier for us. Would highly recommend.„
“Excellent People, Cheap rates, fast process. I had to arrange finance in 2 weeks and they sorted it out. Rena has been extremely helpful.„
“Had full formal approval within 10 days from applying online. Hassle free, transparent and above all else a really competitive interest rate. Thanks all for making an incredibly stressful and high stakes event so seamless. HIGHLY recommend!„