loans.com.au Smart Booster Variable Investor Bundle

The Smart Booster Variable Investor Bundle allows investors who also have an owner-occupier mortgage to get a very low rate for both loans. Here's how it works.

Borrowers who bundle their investment and owner-occupier mortgages with loans.com.au can get a very low investment rate with the Smart Booster Variable Investor Bundle. This is one of the lowest investment rates on the market. Unlike similar investor/owner-occupier combination products, you can also get an equally low rate on your owner-occupier loan too.

As a discount variable rate, this low rate will revert to a higher rate after the one-year discount period.

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By

Richard Whitten

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Review by

Richard Whitten is a money editor at Finder, and has been covering home loans, property and personal finance for 6+ years. He has written for Yahoo Finance, Money Magazine and Homely; and has appeared on various radio shows nationwide. He holds a Certificate IV in mortgage broking and finance (RG 206), a Tier 1 Generic Knowledge certification and a Tier 2 General Advice Deposit Products (RG 146) certification.

Expert review

The loans.com.au Smart Booster Variable Investor Bundle is for investors who already have a loans.com.au owner-occupier loan. This investor loan has discount variable rates for both principal-and-interest and interest-only repayments.

About this loan

What are the features and benefits of the loans.com.au Smart Booster Variable Investor Bundle?

  • Loan amount. This loan has a minimum loan amount of $50,000 and a maximum loan amount of $1,000,000.
  • Loan to value ratio (minimum deposit). The maximum insured loan to value ratio on this loan is 80%. You will therefore need a 20% deposit to get this loan.
  • Offset sub-account. You can add an offset sub-account to this loan but your interest rate will increase by 0.10%.
  • Owner-occupier loan. You can get this investment loan if you have one of loans.com.au's owner-occupier loans. It doesn't matter which product as long as it's an owner-occupier loan. Compare a wider range of loans.com.au mortgages to see some owner-occupier loans. If you have an existing loan that isn't with loans.com.au you could refinance to this lender and then apply for the Smart Booster Variable Investor Bundle.
  • Extra repayments. This loan allows you to make extra repayments and has a redraw facility so you can take out some of those extra repayments if needed.
  • More options. This loan is portable and has a loan-split option, allowing you to divide the loan into multiple fixed and variable portions.

What fees and charges come with this loan?

The loans.com.au Smart Booster Variable Investor Bundle only has two one-off fees, which is fewer than most home loans.

  • Settlement fee: $300. This one-off fee covers the cost of loan settlement.
  • Valuation fee: $230. This fee covers the lender's cost to get your investment property valued.

How to apply

If you are interested in the Smart Booster Variable Investor Bundle from loans.com.au or just want to learn more, click the green button and leave your details. A lending specialist from loans.com.au will get in touch and give you the help you need.

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2 Comments

    Default Gravatar
    john
    December 7, 2021

    Want to refinance an investment home loan. Could someone please call me to discuss

    Reply
      AvatarFinder
      Richard
      December 11, 2021

      Hi John,

      At Finder we provide general information and cannot help you with a specific loan application. You can reach out to loans.com.au via phone at 13 10 90 (7am – 7pm, Monday to Friday AEST) or you can arrange for a call back by submitting a request using this form.

      Thanks,
      Richard

      Reply
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