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loans.com.au Smart Booster Investor Bundle

Advertiser disclosure

The details shown below are for an investor taking out a principal & interest loan between $50,000 and $1,000,000 with an LVR below 80%

The details shown below are for an investor taking out a interest only loan between $50,000 and $1,000,000 with an LVR below 80%

Choose the version of this loan that suits you best

  • Investor (Principal & Interest)

    LVR < 80%

    Loan: $50,000 $1,000,000

  • Investor (Interest Only)

    LVR < 80%

    Loan: $50,000 $1,000,000

Rate
1.99% p.a.variable for 12 months and then 2.74% p.a.
Comparison Rate
2.71% p.a.
Service fee
$0.00
Upfront fee
$520
Go to site
Rate
1.99% p.a.variable for 12 months and then 2.74% p.a.
Comparison Rate
2.71% p.a.
Service fee
$0.00
Upfront fee
$520
Go to site

Mozo editorial review loans.com.au Smart Booster Investor Bundle

Last updated: 1 December 2020.

binocular icon
What's hot
  • 1.99% p.a. intro rate (2.71% p.a. comparison rate*)
  • Free unlimited redraws
  • Offset account available (for 0.10%)
What's not
  • $300 discharge fee
  • $250 discharge documentation fee
Mozo snapshot

If you already have an owner occupied loan with loans.com.au and are thinking about adding an investment property into the mix, you can bundle the two and access rates as low as 1.99% p.a. (2.71% p.a. comparison rate*) for the first 12 months of your investment loan.

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Key features

With this home loan bundle, loans.com.au aims to reward investors with savings and take the hassle out of managing multiple loans. It works like this: if you’re currently servicing an owner occupied loan with loans.com.au and take out an investment loan on top, you’ll be treated to a super low 1.99% p.a. variable rate (2.71% p.a. comparison rate*) on the investment loan for the first 12 months.

This represents a discount of 1.70% off the reference rate for the Smart Variable Investor (P&I). Once the first 12 months are up, the discount will drop to 0.95% off the reference rate for the remainder of the loan term.

You’ll find there are plenty of features which provide flexibility, such as the ability to make additional repayments without incurring any penalties. And if you decide those extra funds could be put to better use elsewhere, you’ll have unlimited access to a free redraw facility. An offset account is also available, however this will add an extra 0.10% to your interest rate.

snapshot
Who is it good for

As mentioned above, this deal is only available to existing loans.com.au customers who are currently servicing an owner occupied loan. Specifically, your owner occupied loan must have an LVR of up to 80% and structured so that you’re making principal and interest repayments.

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Any catches

When applying, your application must be settled within a reasonable time frame, usually within 60 days of receiving your loan documents. And keep in mind that the 1.99% variable rate (2.71% p.a. comparison rate*) is just an intro rate. Once the first 12 months are up, it will revert to 2.74% p.a. 

While there are no monthly or ongoing fees, there are a few one off charges you’ll need to be aware of. For example, a $300 discharge fee and $250 discharge documentation fee will apply if the loan doesn’t go to full term.

Details

Rates and fees information correct as at 20 April 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 2.74% p.a.

  • 1.99% p.a.

  • 12 Months

  • Variable

  • 2.71% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $220.00

  • $300.00

  • n/a

  • $0.00

  • $0.00

Other financial bits
  • $50,000

  • $1,000,000

  • none

  • 80.00%

Features
  • Investor

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes - free

  • $0.00

  • yes

  • Optional - with 0.10% additional interest

  • Only available as a bundle with an eligible loans.com.au Owner Occupier Home Loan. $300 discharge fee and $250 discharge documentation fee applicable if loan doesnt go to full term.

  • none

  • none

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.

Details

Rates and fees information correct as at 20 April 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 2.74% p.a.

  • 1.99% p.a.

  • 12 Months

  • Variable

  • 2.71% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $220.00

  • $300.00

  • n/a

  • $0.00

  • $0.00

Other financial bits
  • $50,000

  • $1,000,000

  • none

  • 80.00%

Features
  • Investor

  • Interest Only

  • Monthly

  • yes - free

  • no

  • yes - free

  • $0.00

  • yes

  • Optional - with 0.10% additional interest

  • Only available as a bundle with an eligible loans.com.au Owner Occupier Home Loan. $300 discharge fee and $250 discharge documentation fee applicable if loan doesnt go to full term.

  • none

  • none

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.

Customer Reviews

How are loans.com.au home loans rated by the Mozo community?

Overall
8.0/10
Price
9.0/10
Features
8.0/10
Customer service
7.8/10
Convenience
7.2/10
Trust
7.6/10

Latest review of loans.com.au Smart Booster Investor Bundle

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About loans.com.au

100% Australian owned, loans.com.au opened its doors in 2010 with a vision of "making it easier for people to own and invest in property". loans.com.au offers a winning combination of low interest rates and fees and a commitment to excellent customer service. loans.com.au runs its own call centre and caters to home, investment and personal finance borrowers.

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2.73% p.a.

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2.48% p.a.

2.50% p.a.

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2.47% p.a.

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2.09% p.a.
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2.19% p.a. variable

2.19% p.a.

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1.99% p.a.
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2.15% p.a.

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2.20% p.a.

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1.98% p.a.
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1.94% p.a.
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2.97% p.a.

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1.99% p.a.variable for 12 months and then 2.48% p.a. variable

2.47% p.a.

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2.19% p.a.
fixed 3 years

2.53% p.a.

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AcceleRATES Variable Home Loan

2.19% p.a. variable

2.19% p.a.

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Tic:Toc

Fixed Home Loan

1.99% p.a.
fixed 3 years

2.15% p.a.

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Newcastle Permanent

Fixed Rate Home Loan (Premium Plus Package)

1.98% p.a.
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3.56% p.a.

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1.75% p.a.
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2.22% p.a.

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2.19% p.a. variable

2.20% p.a.

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1.99% p.a.
fixed 3 years

2.83% p.a.

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1.99% p.a.variable for 12 months and then 2.48% p.a.

2.47% p.a.

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Macquarie

Basic Home Loan

2.64% p.a.

2.64% p.a.

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UHomeLoan - Discount Offer

2.34% p.a.

2.34% p.a.

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AcceleRATES Variable Home Loan

2.19% p.a.

2.19% p.a.

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Back to Basics

2.44% p.a.

2.45% p.a.

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Star Gold Home Loan

1.79% p.a.

1.84% p.a.

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2.09% p.a.

2.12% p.a.

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2.44% p.a.

2.45% p.a.

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Fixed Home Loan

1.99% p.a.
fixed 3 years

2.70% p.a.

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UHomeLoan (Fixed)

1.75% p.a.
fixed 3 years

2.22% p.a.

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Basic Home Loan (Fixed)

2.09% p.a.
fixed 3 years

2.43% p.a.

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1.98% p.a.
fixed 3 years

3.56% p.a.

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2.09% p.a.
fixed 3 years

2.86% p.a.

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n/a

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1.89% p.a.
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3.03% p.a.

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2.04% p.a.
fixed 3 years

2.17% p.a.

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1.79% p.a.

1.84% p.a.

$0.00

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.