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Essentials Investment Loan (Refinance) (Interest Only)

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Customise your mortgage repayments by entering your details:

I want to borrow

Loan Term

years

Repayment Frequency

Pros and Cons

Pros:
  • No ongoing fees
  • Extra repayments + redraw services
  • Free redraw facility
  • Repayments may decrease if RBA cuts rates
Cons:
  • Not available for first home buyer
  • Repayments may increase if RBA raises rates

Fees and Features

Maximum LVR
Maximum LVR
80%
Interest rate structure
Interest rate structure
Variable
Borrowing range
Borrowing range
$50k - $2m
Total repayments
Total repayments
$444,960
Principal & interest
Principal & interest
Interest only
Interest only
Loan term
Loan term
15 - 30 years
Offset account
Offset account
Extra repayments
Extra repayments
Unlimited extra repayments
Redraw facility
Redraw facility
Redraw fee: $0
Allows split interest
Allows split interest
Suitable For
Suitable ForInvestors
Applicable States
Applicable StatesACT, NSW, NT, QLD, SA, TAS, VIC, WA
Make Repayments
Make RepaymentsFortnightly, Monthly, Weekly
Estimated upfront fees
Estimated upfront fees
$520.00
Application fee
Application fee
$0
Settlement fee
Settlement fee
$300
Valuation fee
Valuation fee
$220
Legal fee
Legal fee
$0
Ongoing fee
Ongoing fee
$0
Discharge fee
Discharge fee
$0
Property Type
Property Type
SMSF Trustee
SMSF Trustee
Minimum SMSF Amount
Minimum SMSF Amount
Maximum LVR
Maximum LVR
80%
Interest rate structure
Interest rate structure
Variable
Borrowing range
Borrowing range
$50k - $2m
Total repayments
Total repayments
$444,960
Principal & interest
Principal & interest
Interest only
Interest only
Loan term
Loan term
15 - 30 years
Offset account
Offset account
Extra repayments
Extra repayments
Unlimited extra repayments
Redraw facility
Redraw facility
Redraw fee: $0
Allows split interest
Allows split interest
Suitable For
Suitable ForInvestors
Applicable States
Applicable StatesACT, NSW, NT, QLD, SA, TAS, VIC, WA
Make Repayments
Make RepaymentsFortnightly, Monthly, Weekly
Estimated upfront fees
Estimated upfront fees
$520.00
Application fee
Application fee
$0
Settlement fee
Settlement fee
$300
Valuation fee
Valuation fee
$220
Legal fee
Legal fee
$0
Ongoing fee
Ongoing fee
$0
Discharge fee
Discharge fee
$0
Property Type
Property Type
SMSF Trustee
SMSF Trustee
Minimum SMSF Amount
Minimum SMSF Amount

Compare and review home loans with similar features

Loan Profile
Advertised rate
Advertised rate
4.84%
Variable
Advertised rate
4.98%
Variable
Advertised rate
4.66%
Variable
Advertised rate
5.08%
Variable
Comparison rate*
Comparison rate*
4.85%
Comparison rate*
4.55%
Comparison rate*
4.59%
Comparison rate*
5.09%
Monthly repayment
Monthly repayment
$1,318
Monthly repayment
$1,339
Monthly repayment
$1,291
Monthly repayment
$1,354
Total repayments
Total repayments
$474,480
Total repayments
$482,040
Total repayments
$464,760
Total repayments
$487,440
Loan term
Loan term
30 years
Loan term
1 - 30 years
Loan term
1 - 30 years
Loan term
1 - 30 years
Loan Fees
Estimated upfront fees
Estimated upfront fees
$363.00
Estimated upfront fees
$200.00
Estimated upfront fees
$0
Estimated upfront fees
$0
Legal fee
Legal fee
$363
Legal fee
$0
Legal fee
$0
Legal fee
$0
Settlement fee
Settlement fee
$0
Settlement fee
$200
Settlement fee
$0
Settlement fee
$0
Discharge fee
Discharge fee
$400
Discharge fee
$350
Discharge fee
$0
Discharge fee
$350
Ongoing fee
Ongoing fee
$0
Ongoing fee
$0 monthly
Ongoing fee
$0
Ongoing fee
$0
Repayments Redraws
Weekly repayments
Weekly repayments
Weekly repayments
Weekly repayments
Weekly repayments
Fortnightly repayments
Fortnightly repayments
Fortnightly repayments
Fortnightly repayments
Fortnightly repayments
Interest Rate Options
Principal & interest
Principal & interest
Principal & interest
Principal & interest
Principal & interest
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Loans.com.au is an Australian-owned, innovative online only lender that has been providing Australian customers with a range of low rate, flexible home and investment loans and car loans. Being 100 per cent online means that loans.com.au has fewer overheads and the lender is able to deliver lower rates and fees.

Loans.com.au has won numerous awards including the Smart Investor Blue Ribbon Award for Best Property Investment Loan, Money magazine’s Cheapest Home Loan – non bank and the Cheapest Flexible Home Loan – non bank.

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