| | | 2.29% | 2.29% | | $577.55 | | Refinancers only. Investors can refinance this no-fee variable rate loan. You will need a 25% deposit. Fast online approval.
| | |
| | | 2.39% | 2.39% | | $585.25 | |
Investors with large 40% deposits or equity can get this low variable rate. A competitive option for investors looking to refinance.
| | |
| | | 2.14% | 2.71% | | $566.11 | |
Investors can enjoy flexible repayments and an easy application process with this pioneering online lender.
| | |
| | | 2.24% | 3.89% | - App: $0
- Ongoing: $395 p.a.
| $573.72 | | $3,000 refinance cashback.
Investors can lock in a competitive rate for two years with this package loan. You will need at least a 20% deposit. Refinancers borrowing $250,000 or more can get a $3,000 cashback (Other terms, conditions and exclusions apply). Refinancers Only. | | |
| | | 2.24% | 3.91% | - App: $0
- Ongoing: $395 p.a.
| $573.72 | | $3,000 refinance cashback.
Lock in a low rate for two years with this competitive investment package loan. Refinancers borrowing $250,000 or more can get a $3,000 cashback (Other terms, conditions and exclusions apply). Refinancers Only. | | |
| | | 1.99% | 2.71% | | $554.81 | |
If you have an owner occupier loan with loans.com.au you can also get this very low rate variable mortgage for your investment property. Principal and interest repayments. Add an offset account for an additional 0.10% on your interest rate. Get your loan processed fast and settle within 30 days. | | |
| | | 2.34% | 2.36% | - App: $250
- Ongoing: $0 p.a.
| $581.39 | |
A competitive 3 year investor rate with principal and interest repayments. Optional offset account with a $10 monthly fee. Not available for construction purposes. | | |
| | | 2.59% | 2.42% | | $600.83 | |
This competitive variable rate loan is for investors who want interest-only repayments. You will need a 40% deposit.
| | |
| | | 2.44% | 2.45% | | $589.12 | | $3,288 refinance cashback offer
This variable rate loan is available for property investors with 30% deposits. This loan has very few fees. Eligible refinancers borrowing $250,000 or more can get a $3,288 cashback. Terms and conditions apply. | | |
| | | 2.74% | 2.74% | | $612.67 | |
Get a discounted, low-fee investor loan from a convenient online lender. 20% deposit required.
| | |
| | | 2.28% | 3.15% | | $576.78 | | $3,000 refinance cash bonus
Borrowers with 20% deposits can lock in a low fixed rate loan for three years. Eligible new borrowers can get the annual package fee reimbursed for the life of the loan. $3,000 refinance cash bonus for eligible borrowers. Other terms, conditions and eligibility criteria apply.
| | |
| | | 2.59% | 2.40% | | $600.83 | | Refinancers only. This variable investment loan has interest-only repayments and is for refinancers only. Fast online approval. Requires a 25% deposit.
| | |
| | | 2.39% | 2.41% | | $585.25 | |
This investment loan keeps fees low, has a sharp interest rate and comes with a 100% offset account. This loan is not available for construction.
| | |
| | | 2.59% | 2.48% | | $600.83 | |
A competitive investor variable rate that falls as you build equity.
| | |
| | | 2.24% | 2.64% | | $573.72 | |
Pay no ongoing fees on this investment loan fixed for 3 years.
| | |
| | | 2.32% | 2.35% | - App: $250
- Ongoing: $0 p.a.
| $579.86 | |
If you're an investor with a 20% deposit saved you can get this low rate mortgage. Not available for construction. | | |
| | | 2.49% | 2.67% | | $593.01 | |
Lock in a 5 year fixed rate on your investment loan and pay no ongoing fees.
| | |
| | | 2.49% | 2.43% | | $593.01 | |
Athena's refinance offer for investors and owner occupiers.
| | |
| | | 2.60% | 2.65% | | $601.61 | |
Pay interest only repayments with this special offer for investors.
| | |
| | | 2.35% | 3.33% | - App: $449
- Ongoing: $6 per month
| $582.16 | | NSW and ACT customers only. A 3 years fixed rate investor which allows extra repayments to be made.
| | |
| | | 2.87% | 2.90% | - App: $250
- Ongoing: $0 p.a.
| $623.03 | |
Competitive variable investor mortgage to fund your property portfolio. You can add a 100% offset account for just $10 a month.Not available for construction purposes. | | |
| | | 2.29% | 2.72% | | $577.55 | |
Investors can enjoy flexible repayments and an easy application process with this pioneering online lender.
| | |
| | | 2.69% | 2.52% | | $608.71 | |
Investors with 30% deposits can get this fee-free variable rate loan. This loan has interest-only repayments.
| | |
| | | 2.69% | 2.52% | | $608.71 | |
A competitive rate with no application or ongoing fee. This loan is not available for construction.
| | |
Brad owns a home worth $500,000 and owes $200,000 on the mortgage. This means he has $300,000 in equity and a Loan to Value Ratio (LVR) of 40%. After doing some research and speaking with his mortgage broker, Brad decides to buy an investment property. He refinances his existing mortgage with a new lender to get access the $200,000 of equity, which brings his LVR up to 80%.
I was wondering if you can transfer your equity from an investment property to your place of residence. E.g. I have a home valued at $265,000 and owe $130,000 then i have an investment rental property valued at $250,000 and a loan of $160,000
can i refinance the rental so that i owe $200,000 and put the $40,000 onto my home loan so i only owe $90,000 on my house maximising the tax deductibility of my rental whilst minimising my current house loan?
Hi Tyronne,
Thanks for your question.
Accessing your equity to put the funds into your main residence is definitely possible. If you find that none of these loans are suitable for your situation, there is always the option of speaking to a home loan broker. A broker can help you understand your financial position and they can leverage their panel of networks to find a lender that is more inclined to review your application.
Regarding tax-deductibility, you will need to confirm this aspect with your trusted accountant.
Cheers,
Shirley