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

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

- 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
- Late payment fee of $150
What's hot
What's not
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.
-
Promoted
Mozo experts choice awards won:
- Low Cost Home Loan - 2025
Unloan Variable Home Loan
- Investor
- Principal & Interest
- 20% min deposit
- Redraw available
- Interest rate
-
6.04
%
p.a.
Variable
- Comparison rate
-
5.95
%
p.a.
- Initial monthly repayment
-
$3,011
- Built by CommBank
- The first home loan with an increasing discount (conditions apply)
- No application or banking fees
- interest rate
-
6.04% p.a. (5.95% p.a. comparison rate)
- Fixed loan revert rate
-
n/a
- Upfront fees
-
$0.00
- Ongoing fees
-
$0.00
- Discharge Fee
-
$0.00
- Package
-
-
- Maximum loan to value ratio
-
80.00%
- minimum borrowing amount
-
$10,000
- maximum borrowing amount
-
$10,000,000
- type of mortgage
-
Variable
- Repayment types
-
Principal & Interest
- Availability
-
Investor
- Repayment options
-
Weekly, Fortnightly, Monthly
- Extra repayments
-
yes - free
- Redraw facility
-
yes - free
- Minimum redraw amount
-
-
- Offset account
-
no
- Split account
-
no
- Other restrictions
-
-
- Other benefits
-
Rate automatically discounted by 0.01% p.a. every year up to a maximum discount of 0.30% p.a..
- Special Offers
-
-
Read reviews and learn more about Unloan home loans
Go to site -
Promoted
Mozo experts choice awards won:
- Offset Home Loan - 2025
- First Home Buyer Loan - 2025
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
- $0 application fee to pay
- Only 10% deposit required
- Apply in as little as 15 minutes
- interest rate
-
6.14% p.a. (6.18% p.a. comparison rate)
- Fixed loan revert rate
-
n/a
- Upfront fees
-
$495.40
- Ongoing fees
-
$0.00
- Discharge Fee
-
$325.00
- Package
-
-
- Maximum loan to value ratio
-
90.00%
- minimum borrowing amount
-
$50,000
- maximum borrowing amount
-
$3,000,000
- type of mortgage
-
Variable
- Repayment types
-
Principal & Interest
- Availability
-
Investor
- Repayment options
-
Weekly, Fortnightly, Monthly
- Extra repayments
-
yes - free
- Redraw facility
-
yes - free online, fees apply for assisted redraws
- Minimum redraw amount
-
$1.00
- Offset account
-
yes - optional for $10 per month - comparison rate does not include this fee.
- Split account
-
-
- Other restrictions
-
Settlement fee comprises of upfront fee and loan processing fee. Valuation fee varies. Comparison rates displayed do not take into account the Optional Offset Account monthly fee.
- Other benefits
-
-
- Special Offers
-
-
Read reviews and learn more about NRMA Home Loans home loans
Go to site -
Promoted
Mozo experts choice awards won:
- First Home Buyer Loan - 2025
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
- interest rate
-
6.09% p.a. (6.13% p.a. comparison rate)
- Fixed loan revert rate
-
n/a
- Upfront fees
-
$530.00
- Ongoing fees
-
$0.00
- Discharge Fee
-
$0.00
- Package
-
-
- Maximum loan to value ratio
-
90.00%
- minimum borrowing amount
-
$50,000
- maximum borrowing amount
-
$2,000,000
- type of mortgage
-
Variable
- Repayment types
-
Principal & Interest
- Availability
-
Investor
- Repayment options
-
Weekly, Fortnightly, Monthly
- Extra repayments
-
yes - free
- Redraw facility
-
yes - free
- Minimum redraw amount
-
$0.00
- Offset account
-
yes
- Split account
-
yes
- Other restrictions
-
Offset sub-account available for additional +0.10%. $300 discharge fee and $250 discharge documentation fee applicable if loan doesnt go to full term.
- Other benefits
-
-
- Special Offers
-
-
Read reviews and learn more about loans.com.au home loans
Go to site
-
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
- Get up to $4,000 cashback (T&Cs apply)
- Up to 12 months repayments in advance without penalties
- Split loan available
- interest rate
-
1 year - 5.99% p.a. (6.33% p.a. comparison rate)
2 years - 5.79% p.a. (6.26% p.a. comparison rate)
3 years - 5.79% p.a. (6.22% p.a. comparison rate)
5 years - 5.99% p.a. (6.24% p.a. comparison rate)
- Fixed loan revert rate
-
6.29% p.a.
- Upfront fees
-
$799.00
- Ongoing fees
-
$6.00 monthly
- Discharge Fee
-
$350.00
- Package
-
-
- Maximum loan to value ratio
-
90.00%
- minimum borrowing amount
-
$10,000
- maximum borrowing amount
-
$5,000,000
- type of mortgage
-
Fixed
- Repayment types
-
Principal & Interest
- Availability
-
Investor
- Repayment options
-
Weekly, Fortnightly, Monthly
- Extra repayments
-
yes - free up to 1 year in advance
- Redraw facility
-
yes - free
- Minimum redraw amount
-
$500.00
- Offset account
-
no
- Split account
-
yes
- Other restrictions
-
Monthly fee only applies to fixed period of loan.
- Other benefits
-
-
- Special Offers
-
$4,000 cashback for loans $750,000 and above with a maximum LVR of 80%, settled within 90 days of application for refinancers or 180 for purchase loans. $3,000 for loans between $500k and $749k, $2,000 for loans between $250k and $499k.
Read reviews and learn more about IMB Bank home loans
Go to site -
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
- Offset and non-offset options for flexible payments
- No application and monthly account keeping fees
- Get up to $4,000 cashback (T&Cs apply)
- interest rate
-
5.81% p.a. (5.82% p.a. comparison rate)
- Fixed loan revert rate
-
n/a
- Upfront fees
-
$250.00
- Ongoing fees
-
$0.00
- Discharge Fee
-
$250.00
- Package
-
-
- Maximum loan to value ratio
-
60.00%
- minimum borrowing amount
-
$100,000
- maximum borrowing amount
-
-
- type of mortgage
-
Variable
- Repayment types
-
Principal & Interest
- Availability
-
Investor
- Repayment options
-
Weekly, Fortnightly, Monthly
- Extra repayments
-
yes - free
- Redraw facility
-
yes - free
- Minimum redraw amount
-
$500.00
- Offset account
-
no
- Split account
-
no
- Other restrictions
-
Valuation fee payable at cost
- Other benefits
-
-
- Special Offers
-
-
Read reviews and learn more about Regional Australia Bank home loans
Go to site -
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
- Unlimited additional repayments
- Option offset sub-account
- No ongoing fees to pay
- interest rate
-
6.48% p.a. (6.28% p.a. comparison rate)
- Fixed loan revert rate
-
n/a
- Upfront fees
-
$530.00
- Ongoing fees
-
$0.00
- Discharge Fee
-
$550.00
- Package
-
-
- Maximum loan to value ratio
-
90.00%
- minimum borrowing amount
-
$50,000
- maximum borrowing amount
-
$1,500,000
- type of mortgage
-
Variable
- Repayment types
-
Principal & Interest
- Availability
-
Investor
- Repayment options
-
Weekly, Fortnightly, Monthly
- Extra repayments
-
yes - free
- Redraw facility
-
yes - free
- Minimum redraw amount
-
$0.00
- Offset account
-
yes
- Split account
-
yes
- Other restrictions
-
Only available for homes with a solar system.
- Other benefits
-
Offset sub-account available for an additional 0.10% p.a.
- Special Offers
-
-
Read reviews and learn more about loans.com.au home loans
Go to site -
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
- Free extra repayments
- Easy redraw facility
- No annual fee to pay
- interest rate
-
5.99% p.a. (6.01% p.a. comparison rate)
- Fixed loan revert rate
-
n/a
- Upfront fees
-
$250.00
- Ongoing fees
-
$0.00
- Discharge Fee
-
$300.00
- Package
-
-
- Maximum loan to value ratio
-
60.00%
- minimum borrowing amount
-
$80,000
- maximum borrowing amount
-
$5,000,000
- type of mortgage
-
Variable
- Repayment types
-
Principal & Interest
- Availability
-
Investor
- Repayment options
-
Weekly, Fortnightly, Monthly
- Extra repayments
-
yes - free
- Redraw facility
-
yes - free
- Minimum redraw amount
-
-
- Offset account
-
no
- Split account
-
no
- Other restrictions
-
If the valuation is over $360, ubank will cover the first $360. Home loans with a term of greater than 30 years will only be available for owner-occupied P&I 80% LVR purchase applications.
- Other benefits
-
-
- Special Offers
-
-
Read reviews and learn more about ubank home loans
Go to site -
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
- Multiple offset accounts available
- Free extra repayments
- Easy redraw facility
- interest rate
-
5.99% p.a. (6.23% p.a. comparison rate)
- Fixed loan revert rate
-
n/a
- Upfront fees
-
$250.00
- Ongoing fees
-
$250.00 yearly
- Discharge Fee
-
$300.00
- Package
-
-
- Maximum loan to value ratio
-
60.00%
- minimum borrowing amount
-
-
- maximum borrowing amount
-
-
- type of mortgage
-
Variable
- Repayment types
-
Principal & Interest
- Availability
-
Investor
- Repayment options
-
Weekly, Fortnightly, Monthly
- Extra repayments
-
yes - free
- Redraw facility
-
yes - free
- Minimum redraw amount
-
-
- Offset account
-
yes
- Split account
-
yes
- Other restrictions
-
If the valuation is over $360, ubank will cover the first $360. Home loans with a term of greater than 30 years will only be available for owner-occupied P&I 80% LVR purchase applications.
- Other benefits
-
-
- Special Offers
-
-
Read reviews and learn more about ubank home loans
Go to site -
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
- Multiple offset accounts available
- Free extra repayments
- Easy redraw facility
- interest rate
-
1 year - 6.15% p.a. (6.25% p.a. comparison rate)
2 years - 5.99% p.a. (6.23% p.a. comparison rate)
3 years - 5.99% p.a. (6.23% p.a. comparison rate)
5 years - 5.99% p.a. (6.23% p.a. comparison rate)
- Fixed loan revert rate
-
5.99% p.a.
- Upfront fees
-
$250.00
- Ongoing fees
-
$250.00 yearly
- Discharge Fee
-
$300.00
- Package
-
-
- Maximum loan to value ratio
-
60.00%
- minimum borrowing amount
-
-
- maximum borrowing amount
-
-
- type of mortgage
-
Fixed
- Repayment types
-
Principal & Interest
- Availability
-
Investor
- Repayment options
-
Weekly, Fortnightly, Monthly
- Extra repayments
-
yes - free
- Redraw facility
-
yes - free
- Minimum redraw amount
-
-
- Offset account
-
yes
- Split account
-
yes
- Other restrictions
-
If the valuation is over $360, ubank will cover the first $360. Home loans with a term of greater than 30 years will only be available for owner-occupied P&I 80% LVR purchase applications.
- Other benefits
-
-
- Special Offers
-
-
Read reviews and learn more about ubank home loans
Go to site -
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
- Offset and non-offset options for flexible payments
- No application and monthly account keeping fees
- Get up to $4,000 cashback (T&Cs apply)
- interest rate
-
6.02% p.a. (6.03% p.a. comparison rate)
- Fixed loan revert rate
-
n/a
- Upfront fees
-
$250.00
- Ongoing fees
-
$0.00
- Discharge Fee
-
$250.00
- Package
-
-
- Maximum loan to value ratio
-
60.00%
- minimum borrowing amount
-
$500
- maximum borrowing amount
-
-
- type of mortgage
-
Variable
- Repayment types
-
Principal & Interest
- Availability
-
Investor
- Repayment options
-
Weekly, Fortnightly, Monthly
- Extra repayments
-
yes - free
- Redraw facility
-
yes - free
- Minimum redraw amount
-
$500.00
- Offset account
-
yes
- Split account
-
yes
- Other restrictions
-
Valuation fee payable at cost
- Other benefits
-
-
- Special Offers
-
-
Read reviews and learn more about Regional Australia Bank home loans
Go to site
Your selected home loans
* 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
Mozo provides general product information. We don't consider your personal objectives, financial situation or needs and we aren't recommending any specific product to you. You should make your own decision after reading the PDS or offer documentation, or seeking independent advice.
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.