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

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*).

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.

Home loan comparisons on Mozo

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Last updated 20 June 2024 Important disclosures and comparison rate warning*
  • Unloan Variable

    • Investment
    • LVR <80%
    Interest rate
    6.29 % p.a.
    Variable
    Comparison rate
    6.20 % p.a.
    Initial monthly repayment
    $3,092
    Go to site

    Built by CommBank, the Unloan is the first home loan with an increasing discount (conditions apply) for investors. No application or banking fees. No monthly account keeping or early exit fees. Apply online in minutes.

  • Basic Home Loan

    • Investment
    • LVR<60%
    • Principal & Interest
    Interest rate
    6.34 % p.a.
    Variable
    Comparison rate
    6.36 % p.a.
    Initial monthly repayment
    $3,108
    Go to site

    No annual or application fees. Competitive rate tiers based on your LVR as well as interest only and split repayment options. Fast application and turnaround process. Secure online application.

  • Offset Home Loan

    • Investment
    • LVR<60%
    • Principal & Interest
    Interest rate
    6.34 % p.a.
    Variable
    Comparison rate
    6.59 % p.a.
    Initial monthly repayment
    $3,108
    Go to site

    Up to 10 offsets. Competitive rate tiers and interest only repayment option. No application fee. Split loan option. Fast, secure online application. $248 annual fee.

  • The Better Home Loan Special Offer

    • Investment
    • Principal & Interest
    • LVR <80%
    Interest rate
    6.19 % p.a.
    Variable
    Comparison rate
    6.19 % p.a.
    Initial monthly repayment
    $3,059
    Go to site

    Reap the benefits of a variable rate investor home loan with a bunch of features from Police Credit Union. Make extra repayments at any time without penalty. No monthly, annual or upfront fees. Free online redraw. 100% offset account available (T&Cs apply). Minimum 20% deposit. Qualifying criteria applies. Minimum loan amount is 200K. For new customers only. Mozo Experts Choice Home Lender Credit Union of the Year 2023.

  • Unloan Variable

    • Investment
    • LVR <80%
    Interest rate
    6.29 % p.a.
    Variable
    Comparison rate
    6.20 % p.a.
    Initial monthly repayment
    $3,092
    Go to site

    Built by CommBank, the Unloan is the first home loan with an increasing discount (conditions apply) for investors. No application or banking fees. No monthly account keeping or early exit fees. Apply online in minutes.

  • Basic Home Loan

    • Investment
    • LVR<60%
    • Principal & Interest
    Interest rate
    6.34 % p.a.
    Variable
    Comparison rate
    6.36 % p.a.
    Initial monthly repayment
    $3,108
    Go to site

    No annual or application fees. Competitive rate tiers based on your LVR as well as interest only and split repayment options. Fast application and turnaround process. Secure online application.

  • Offset Home Loan

    • Investment
    • LVR<60%
    • Principal & Interest
    Interest rate
    6.34 % p.a.
    Variable
    Comparison rate
    6.59 % p.a.
    Initial monthly repayment
    $3,108
    Go to site

    Up to 10 offsets. Competitive rate tiers and interest only repayment option. No application fee. Split loan option. Fast, secure online application. $248 annual fee.

  • Basic Home Loan

    • Fixed
    • Investment
    • Principal & Interest
    • LVR <70%
    Interest rate
    6.55 % p.a.
    Fixed 3 years
    Comparison rate
    6.42 % p.a.
    Initial monthly repayment
    $3,177
    Go to site

    Lock in repayments from 1 to 5 years. Competitive rate tiers depending on your LVR. No application or annual fee. Fast, secure online application.

  • SMSF Home Loan

    • LVR <70%
    Interest rate
    6.99 % p.a.
    Variable
    Comparison rate
    7.00 % p.a.
    Initial monthly repayment
    $3,323
    Go to site

    Enjoy a competitive rate on your SMSF home loan with Loans.com.au. Available for refinancers only. No application fee and no settlement fee. No monthly, annual or ongoing fees. Unlimited extra repayments. Online access via Smart Money App. 30% deposit required.

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Need help with refinancing?

You might have questions that need personal answers. We’ve teamed up with the mortgage brokers at Lendi to get you the answers you need, and a home loan deal you deserve.

Learn more

* 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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