loans.com.au Smart Loan (Package)

The details shown below are for an investor taking out a principal & interest loan between $50,000 and $2,000,000 with an LVR below 80%

The details shown below are for an investor taking out a interest only loan between $50,000 and $2,000,000 with an LVR below 80%

Choose the version of this loan that suits you best

  • Investor (Principal & Interest)

    LVR < 80%

    Loan: $50,000 $2,000,000

  • Investor (Interest Only)

    LVR < 80%

    Loan: $50,000 $2,000,000

3.77% p.a.

3.79% p.a.

$0.00

loans.com.au Smart Loan (Package)

3.77% p.a.

3.79% p.a.

$0.00

4.09% p.a.

4.11% p.a.

$0.00

loans.com.au Smart Loan (Package)

4.09% p.a.

4.11% p.a.

$0.00

Mozo Review   loans.com.au Smart Loan (Package) Review

Last updated: 11 June 2019.

What's hot:
  • 100% offset facility

  • Free extra repayments

  • Unlimited free redraws

What's not:
  • $300 settlement fee

  • $220 valuation fee

Mozo snapshot:

If you have both a home and investment loan, you’ll be able to bundle them with loans.com.au’s Smart Loan Package and receive a reduced variable rate of 3.77% p.a. (3.79% p.a. comparison rate*) along with a range of benefits, including a 100% offset account, free extra repayments and unlimited free redraws.

Key features:

For anyone who’s taken out a home loan and an investment loan, you’ll be pleased to learn you can receive low rates for both when you bundle them with loans.com.au’s Smart Loan Package. The variable rate sits at 3.77% p.a. (3.79% p.a. comparison rate*), and with a number of handy extras you can be confident you’re getting a great deal.

Headlining the long list of features is the 100% offset facility, which will save you on interest payments the more you have stashed away. And when it comes to flexibility, the Smart Loan Package doesn’t disappoint. You can choose to make repayments weekly, fortnightly or monthly, and if you want to pay down your loan even quicker you’ll be happy to hear you can make additional repayments absolutely free.

If you decide some of those extra repayments would be better served back in your pocket, you can easily retrieve them with the free redraw facility. And there are multiple options available to help you stay on top of your home loan, including direct debit arrangements, BPAY, and the loans.com.au Smart Money app.

While there are no monthly or ongoing fees, there are a few one-off charges - namely, valuation and settlements fees - you’ll need to budget for.

Who it's good for:

The loans.com.au Smart Loan Package would suit anyone with a mortgage who is now buying an investment property and would like to put them under the one mortgage.

Any catches?

There are a few fees you’ll have to be mindful of, such as the $300 settlement fee and the $220 valuation fee.

Details

Rates and fees information correct as at 16 June 2019. 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
  • 3.77% p.a.

  • n/a

  • 0 Months

  • none

  • 3.79% 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

  • none

  • $0.00

  • $0.00

Other financial bits
  • $50,000

  • $2,000,000

  • none

  • 80.00%

Features
  • Investor

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - free

  • $0.00

  • yes

  • yes

  • Must be packaged with an owner occupier home loan; $300 discharge fee and $250 discharge documentation fee applicable if loan doesnt go to full term.

  • 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 16 June 2019. 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
  • 4.09% p.a.

  • n/a

  • 0 Months

  • none

  • 4.11% 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

  • none

  • $0.00

  • $0.00

Other financial bits
  • $50,000

  • $2,000,000

  • none

  • 80.00%

Features
  • Investor

  • Interest Only

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - free

  • $0.00

  • yes

  • yes

  • Must be packaged with an owner occupier home loan; $300 discharge fee and $250 discharge documentation fee applicable if loan doesnt go to full term.

  • 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 customer rating
8.2/10
Price
9.1/10
Features
8.2/10
Customer service
7.9/10
Convenience
7.3/10
Trust
7.7/10
loans.com.au

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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