HomeHome Loansloans.com.auVariable Investor Home Loan

loans.com.au Variable Investor Home Loan

The loans.com.au Variable Investor Home Loan offers variable rates from 6.34% p.a. (6.36% p.a. comparison rate*).

Updated 14 July 2024

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Expert Review

If you're looking for a fee free home loan with basic features, then the loans.com.au Variable Investor Home Loan is worth considering. As one of loans.com.au's more basic home loan offerings, it features variable interest rates across the Investor category, and the ability to split your loan with loans.com.au's fixed rates. loans.com.au also offers a home loan package with more comprehensive features, so it is prudent to consider what's most important to you before applying. Further details about the loans.com.au Variable Investor Home Loan benefits are outlined below.

Basic non-package loan for investors:
The key features under this relatively basic investor offering are focused on pricing. Specifically, the pricing advertised includes a $0 monthly fee, and a relatively high variable rate starting from 6.34% p.a. (6.36% p.a. comparison rate) on Principal and Interest repayments. Negotiation of these rates down should be possible, depending on your circumstances. Also, while you should speak with your accountant, many investors opt for an interest only loan, of which the rates are also outlined on this page. While these are relatively lower rates under loans.com.au's more basic no-frills offering, these rates may still be able to be further negotiated down, particularly for investors who are borrowing a large amount, or if they who hold a sizeable deposit or equity in the property already. For investors, this loan does usually require a minimum of 10% deposit or 10% existing equity in the property, and often anything above these amounts will help you negotiate a lower interest rate. There is the option to split the loan into Variable and Fixed rate components, plus being able to make extra repayments and in the future, redraw funds if desired. In terms of repayments Interest Only repayments or Principal and Interest repayments are offered.
Considering the basic features available with this product, this home loan will appeal to investors. It will also appeal to someone where the lesser known loans.com.au brand and service isn’t a concern, or for those who are happy to bank with a lender that offers features most important to them, over who the lender is.

Product Details

$0 establishment fee

$0 annual fee

Other fees may apply.

Loan Amount

From $50,000


No ongoing fees

Split your loan into fixed and variable rate portions

Make extra repayments

Redraw extra repayments that you have made


Before applying for this product, you should read the Target Market Determination (TMD) available here on the loans.com.au website.

More information
* Comparison rate is based on a secured loan of $150,000 over a 25 year term. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
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