Smart Investor Home Loan - Principal and Interest

The Smart Investor Home Loan from loans.com.au is a 2.74% p.a. Variable Investment home loan with Principal & Interest repayments – and is suitable for buyers looking to purchase an Investment property. This product has a Maximum LVR of 80%. The minimum loan amount is $50,000, and the maximum loan amount is $2,000,000.

2.74%p.a.Interest rate

2.76%p.a.Comparison rate

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Home loan type	Investment
Interest rate type	Variable
Maximum LVR	80%
Repayment type	Principal & Interest
Minimum loan amount	$50,000
Maximum loan amount	$2,000,000

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What are the features and benefits of this loan?

With this loan you can enjoy the following:

no redraw fee
no application fee
no ongoing fee
up to 5 split accounts
flexible repayment frequency
ability to make extra repayments
Offset account is available for an additional +0.10% interest rate.

What are the application criteria of this loan?

To be eligible for this loan you must:

have a maximum LVR of 80%
borrow a loan amount between $50,000 and $2 million

What fees and charges come with this loan?

application fee: $0
monthly fee: $0
annual fee: $0
redraw fee: $0
legal fee: $0
settlement fee: $300
valuation fee: $220 or at cost
ongoing fee: $0
discharge fee: $300
late payment fee: $150

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Compare home loans

When considering a home loan there are several different factors to take into account. If you want to live in the property, or buy it as a future investment, will determine whether you should apply for an owner occupied loan or an investment loan. You can also browse by company to see the different types of home loan offered as some loan providers offer basic products, as well as inclusive package deals.

You will also need to consider what sort of payment plan suits you. Home loans are offered either at a fixed or variable rate of interest. Fixed rate plans suit those who may be on a budget or prefer to know exactly what they pay back each month. However, a variable rate loan could work to your advantage as you could pay back less overall if interest rates fluctuate.

When considering any type of home loan, it is recommended to get an expert’s opinion. They will help you choose a home loan that’s right for you as well as determining what sort of payment plan will work best for you and your money.

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