The Smart Booster Investor Bundle now comes with a discounted 1.99% p.a. interest rate (2.71% p.a comparison rate*) for the first year on interest-only repayments, before reverting to a higher ongoing rate of 2.74% p.a. 

This isn't the first time loans.com.au has introduced a home loan under the 2% benchmark, after doing so in late July with the 1.99% p.a. Smart Booster Discounted Variable Home Loan (2.57% p.a. comparison rate*), which was also an introductory rate. 

However, it is the first time it has done so with an investment product, and according to Savings.com.au's market research, is also the only investment home loan rate under 2.00% p.a.

Buying an investment property or looking to refinance? The table below features home loans with some of the lowest interest rates on the market for investors.

Lender

VariableMore details
Refinance OnlyApply In Minutes
  • A low-rate variable investment home loan from a 100% online lender. Backed by the Commonwealth Bank.
Refinance OnlyApply In Minutes

Unloan – Variable Rate Investment Loan – Refinance Only

  • A low-rate variable investment home loan from a 100% online lender. Backed by the Commonwealth Bank.
VariableMore details
  • Unlock equity easily and get maximum borrowing power
  • Flexibility without the fees: Easily change your loan type, repayment frequency or top-up when you need, for free.
  • Split up to 10 loans against your property. Each split loan is customisable — choose fixed or variable, owner occupier or investment, P&I or IO and set different loan terms
  • Set up your offsets (up to 10) and stash your cash to reduce the interest payable

Athena – Straight Up Investor - Obliterate (LVR < 50%) (Principal and Interest)

  • Unlock equity easily and get maximum borrowing power
  • Flexibility without the fees: Easily change your loan type, repayment frequency or top-up when you need, for free.
  • Split up to 10 loans against your property. Each split loan is customisable — choose fixed or variable, owner occupier or investment, P&I or IO and set different loan terms
  • Set up your offsets (up to 10) and stash your cash to reduce the interest payable
Important Information and Comparison Rate Warning

Base criteria of: a $400,000 loan amount, variable, fixed, principal and interest (P&I) home loans with an LVR (loan-to-value) ratio of at least 80%. However, the ‘Compare Home Loans’ table allows for calculations to be made on variables as selected and input by the user. Some products will be marked as promoted, featured or sponsored and may appear prominently in the tables regardless of their attributes. All products will list the LVR with the product and rate which are clearly published on the product provider’s website. Monthly repayments, once the base criteria are altered by the user, will be based on the selected products’ advertised rates and determined by the loan amount, repayment type, loan term and LVR as input by the user/you. *The Comparison rate is based on a $150,000 loan over 25 years. Warning: this comparison rate is true only for this example and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Rates correct as of February 28, 2024. View disclaimer.

According to loans.com.au Managing Director Marie Mortimer, this new interest rate is the lowest investment offer in Australia right now. 

“After seeing great success with our 1.99% owner-occupied offer, we are excited to bring a similar offer to investors," Ms Mortimer said. 

“Investors who are considering switching to a lower rate for their investment properties and their own home should take the opportunity to reassess their loan provider and potentially refinance."

To be eligible for this offer, you must also get an owner-occupied loan from loans.com.au, with owner-occupied rates starting at 1.99% p.a.

It's available for borrowers with a loan-to-value ratio (LVR) of 80% or less borrowing between $50,000 and $1 million. 

It has no application or exit fees, but does charge a $300 settlement fee and a valuation fee up to $220. 

Other home loans below 2% p.a. at the moment include the likes of:





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