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

By Jack Dona · Last updated Tuesday, 12 March 2024 · 1 min read

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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*).

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Important disclosures and comparison rate warning*

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Comparison rate warning

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.

How Initial Monthly Repayments figures are estimated

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.

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.

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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.

^See information about the Mozo Experts Choice Home Loan Awards

While we pride ourselves on covering a wide range of products, we don't cover every product in the market. If you decide to apply for a product through our website, you will be dealing directly with the provider of that product and not with Mozo.

Jack Dona

RG146

Senior money writer

Jack is a senior writer specialising in home loan and credit products, interest rates, and leads Mozo’s coverage of the Reserve Bank of Australia. He understands the importance of making the language of personal finance accessible to all. Jack’s stories have been quoted in AustralianBroker, Mortgage Professionals Australia magazine, the Sydney Morning Herald, and News.com.au. He has contributed to reports that have featured on Channel 7’s Sunrise program.