Loans.com.au launch home loan package with slashed rates for owner-investors

By Jack Dona · · 1 min read
Fact Checked
Advertiser disclosure
A man wearing half casual clothes and half a suit stands before a background that features a block of units and a freestanding house

A new home loan package from loans.com.au targets property investors juggling both an investment home loan and their own mortgage. 

The digital lender’s Owner-Occupied-and-Investor Package aims to give owner-investors who refinance both their investor and personal home loans with loans.com.au. 

Loans.com.au Managing Director, Marie Mortimer, says the discounted rate aims to attract investors to the lender by offering a discount that might help shift the balance between mediocre and excellent returns. 

“We understand that getting a great rate can be the difference between an excellent and a mediocre investment return,” Mortimer said.

“We are big supporters of property investors and we want those investors to come to us, so we are offering a package with a significantly discounted investor rate to encourage that."

By moving your property financing over to loans.com.au, you’ll qualify for a heavily discounted investment home loan rate that looks very competitive compared to the average variable investor rate in the Mozo database – 7.17% p.a. (P&I, $400k, <80% LVR). 

The package offers an investment home loan rate starting at 6.28% p.a. (6.30% p.a. comparison rate*) and a home loan for your PPOR starting at 6.04% p.a. (6.06% p.a. comparison rate*).

Important disclosures and comparison rate warning*
loans.com.au Investor Package
    What's hot
  • Investment loan rate from 6.28% p.a. (6.30% p.a. comparison rate*)
  • Home loan rate from 6.04% p.a. (6.06% p.a. comparison rate*)
  • Free extra repayments
  • Free redraw facility
  • Optional offset account for extra 0.10% p.a. interest
    • What's not
  • Late payment fee of $150
Find out more

This one’s for the owner-investors juggling a mortgage and an investment loan, who want to streamline their finances and save. When you refinance and bundle your loans together with the Investor Package, you could qualify for a heavily discounted investor loan rate, starting at just 6.28% p.a. (6.30% p.a. comparison rate*), and a competitive 6.04% p.a. (6.06% p.a. comparison rate*) for your own mortgage. Loans.com.au’s Investor Package also gives you the flexibility of free extra repayments and a redraw facility to make use of, with the added bonus of an optional offset account for an extra 0.10% p.a. 

If you’re wondering if this loan is right for you, your next step could be to compare investment loans, some of which you can view below.

Last updated 20 May 2025 Important disclosures and comparison rate warning*
What are your home loan needs?
Loan purpose
Buying or Refinancing
  • Promoted

    Unloan Variable Home Loan

    • Investor
    • Principal & Interest
    • 20% min deposit
    • Redraw available
    Interest rate
    5.79 % p.a.
    Variable
    Comparison rate
    5.70 % p.a.
    Initial monthly repayment
    $2,931
    Go to site
    • RATE CUT NOW LIVE!
    • The first home loan with an increasing discount (conditions apply)
    • No application or banking fees
  • Promoted

    Variable Home Loan

    • Investor
    • Principal & Interest
    • 10% min deposit
    • Offset available
    • Redraw available
    Interest rate
    6.14 % p.a.
    Variable
    Comparison rate
    6.18 % p.a.
    Initial monthly repayment
    $3,043
    Go to site
    • $0 application fee to pay
    • Only 10% deposit required
    • Apply in as little as 15 minutes
  • Promoted

    Home Loan

    • Investor
    • Principal & Interest
    • 40% min deposit
    • Redraw available
    Interest rate
    5.81 % p.a.
    Variable
    Comparison rate
    5.82 % p.a.
    Initial monthly repayment
    $2,937
    Go to site
    • Offset and non-offset options for flexible payments
    • No application and monthly account keeping fees
    • Get up to $4,000 cashback (T&Cs apply)

  • Fixed Rate Home Loan

    • Fixed rate
    • Investor
    • Principal & Interest
    • 10% min deposit
    Interest rate
    5.74 % p.a.
    Fixed 2 years
    Comparison rate
    6.13 % p.a.
    Initial monthly repayment
    $2,915
    Go to site
    • Extra payments allowed (fee applies)
    • No valuation fees

  • Unloan Variable Home Loan

    • Investor
    • Principal & Interest
    • 20% min deposit
    • Redraw available
    Interest rate
    5.79 % p.a.
    Variable
    Comparison rate
    5.70 % p.a.
    Initial monthly repayment
    $2,931
    Go to site
    • RATE CUT NOW LIVE!
    • The first home loan with an increasing discount (conditions apply)
    • No application or banking fees

  • Fixed Home Loan

    • Fixed rate
    • Investor
    • Principal & Interest
    • 10% min deposit
    • Redraw available
    • Cashback
    Interest rate
    5.79 % p.a.
    Fixed 2 years
    Comparison rate
    6.26 % p.a.
    Initial monthly repayment
    $2,931
    Go to site
    • Get up to $4,000 cashback (T&Cs apply)
    • Up to 12 months repayments in advance without penalties
    • Split loan available

  • Home Loan

    • Investor
    • Principal & Interest
    • 40% min deposit
    • Redraw available
    Interest rate
    5.81 % p.a.
    Variable
    Comparison rate
    5.82 % p.a.
    Initial monthly repayment
    $2,937
    Go to site
    • Offset and non-offset options for flexible payments
    • No application and monthly account keeping fees
    • Get up to $4,000 cashback (T&Cs apply)

  • Solar Home Loan

    • Investor
    • Principal & Interest
    • 10% min deposit
    • Offset available
    • Redraw available
    Interest rate
    5.94 % p.a.
    Variable for 60 months and then 6.48% p.a.
    Comparison rate
    6.28 % p.a.
    Initial monthly repayment
    $2,978
    Go to site
    • Unlimited additional repayments
    • Option offset sub-account
    • No ongoing fees to pay

  • Neat Home Loan

    • Investor
    • Principal & Interest
    • 40% min deposit
    • Redraw available
    Interest rate
    5.99 % p.a.
    Variable
    Comparison rate
    6.01 % p.a.
    Initial monthly repayment
    $2,995
    Go to site
    • Free extra repayments
    • Easy redraw facility
    • No annual fee to pay

  • Flex Home Loan

    • Investor
    • Principal & Interest
    • 40% min deposit
    • Offset available
    • Redraw available
    Interest rate
    5.99 % p.a.
    Variable
    Comparison rate
    6.23 % p.a.
    Initial monthly repayment
    $2,995
    Go to site
    • Multiple offset accounts available
    • Free extra repayments
    • Easy redraw facility

  • Flex Home Loan

    • Fixed rate
    • Investor
    • Principal & Interest
    • 40% min deposit
    • Offset available
    • Redraw available
    Interest rate
    5.99 % p.a.
    Fixed 2 years
    Comparison rate
    6.23 % p.a.
    Initial monthly repayment
    $2,995
    Go to site
    • Multiple offset accounts available
    • Free extra repayments
    • Easy redraw facility

  • Home Loan with Offset

    • Investor
    • Principal & Interest
    • 40% min deposit
    • Offset available
    • Redraw available
    Interest rate
    6.02 % p.a.
    Variable
    Comparison rate
    6.03 % p.a.
    Initial monthly repayment
    $3,004
    Go to site
    • Offset and non-offset options for flexible payments
    • No application and monthly account keeping fees
    • Get up to $4,000 cashback (T&Cs apply)

  • Variable Investor Home Loan

    • Investor
    • Principal & Interest
    • 10% min deposit
    • Offset available
    • Redraw available
    Interest rate
    6.09 % p.a.
    Variable
    Comparison rate
    6.13 % p.a.
    Initial monthly repayment
    $3,027
    Go to site

  • Variable Home Loan

    • Investor
    • Principal & Interest
    • 10% min deposit
    • Offset available
    • Redraw available
    Interest rate
    6.14 % p.a.
    Variable
    Comparison rate
    6.18 % p.a.
    Initial monthly repayment
    $3,043
    Go to site
    • $0 application fee to pay
    • Only 10% deposit required
    • Apply in as little as 15 minutes
Showing 11 results from 415 home loans. Use the filters to see more

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* WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

** Initial monthly repayment figures are estimates only, based on the advertised rate. You can change the loan amount and term in the input boxes at the top of this table. Rates, fees and charges and therefore the total cost of the loan may vary depending on your loan amount, loan term, and credit history. Actual repayments will depend on your individual circumstances and interest rate changes.

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