Find out if you qualify

Refinancing your investment loan

Paying too much interest on your home loan? Want to save thousands?

We want to make it easy for you to start saving on your investment loan repayments, sooner.

Our simple refinancing process at allows you to pay out your existing lender quickly, and you don’t even have to contact your old lender - we do all the hard work for you.

We help make refinancing your investment loan easy.

While refinancing for one or more investment properties may sound like a big task, with the help of our team it doesn’t have to be.

At, refinancing your loans for your investment properties is as simple as applying online in under 2 minutes, chatting to a lending specialist then uploading your documents in the onTrack app. After this, you’ll sign your loan documentation, we’ll pay your existing lender then you’ll settle!

If the refinancing process is new to you, you can chat to our team on 13 10 90, or on onTrack, or on LiveChat. Or, you can manage the entire application yourself through the onTrack app.

We’re here to help as little or as much as you need, and most importantly, save thousands on your investment loan.

Loans for refinancing my investment property

We're recognised & awarded by the Australian financial industry. View all awards

Smart Investor
  • 2.74%
    variable rate p.a.^^
  • 2.76%
    comparison rate p.a.*

The Smart Investor will save you money on interest and fees to make it easy to buy an investment property.

Why refinance with


Low interest rates

We can offer rates much lower than some banks and lenders. Fewer overheads mean doing business costs less and those savings translate directly into lower interest rates and fees for your investment loan. Why not start saving thousands?


Australian based support team

We have an experienced, Australian based team. At every step of your refinance journey, you’ll talk to a real person from our friendly team of lending specialists who are here to help you settle as soon as possible so you can reduce your interest repayments and stop paying too much on your investment loan.


Flexible options

We offer great low rates on our fixed, variable and split home loans. We also offer discounts for large deposits or customers with owner occupied and investment properties. No matter what you’re looking for, has the right loan for your investment property.


Award winning

We have many happy customers who are sick of their bank and refinance their home loans and investment loans to us, but don’t just take our word for it. We’re also recognised by the experts. By keeping interest rates low and providing exceptional service, quick approvals and turnaround times, we keep on winning awards for our loans, year after year!


We deal with your existing lender

After you’ve been approved, you’ll no longer pay your old lender interest, even if they drag their heels on discharging the loan. We’ll handle dealing with your old lender and do all the hard work for you!


onTrack advantage

onTrack is our online app which allows you to complete your home loan application on your device from initial contact through to settlement and beyond. In onTrack you can complete your refinance application in your own time, as it suits you.

Our Refinance Process makes refinancing simple so you can stop paying too much on your investment loan. Go from application to settlement in a few steps. Here's how.


Apply online


Talk to a lending specialist

Talk to a lending specialist in our Australian-based call centre


Goodbye paperwork!

Upload your documents in a flash and track your progress in onTrack


Quick pay out

Pay your existing investment loan quickly, and start saving sooner with our low rates


Smart Money

Access your new account via Online Services

Common refinancing questions

Fill out your application online and have an appointment with one of our lending specialists to organise pre-approval of your investment loan. Check the onTrack app to receive your final approval, mortgage documents and loan agreement. You must sign these and return them in to onTrack, which authorises us to deal directly with your existing lender. From this point, you no longer pay your old lender interest, we pay the loan out by estimating payout costs based on current balance, rate and repayments. Your loan will settle and you'll enjoy new low rates!
To refinance, you’ll need documents such as payslips, and details of your existing investment loan. For a list on exactly which documents you’ll need to apply for a refinance:
What documents do I need to refinance my home loan?

If you’re ready to refinance, simply fill out your application online by entering some of your details here

Alternatively, chat to one of our friendly lending specialists on 13 10 90 and they can complete your application for you.
You can refinance with the equity you have in your existing home. However, if the value has changed significantly you may need to provide deposit up to 10% of the property’s value.
You can get a low rate on your investment loan because of our online model. We have to pay for branches or broker commissions, which means we are able to pass our savings directly on to you through low home loan rates and and no ongoing, annual or monthly fees.
There are many benefits to refinancing your home loan, such as:
  • Paying less interest over the life of the loan, saving you thousands.
  • Reducing your loan term by a matter of years
  • Accessing new features, like an offset sub-account to save on interest repayments and get Visa debit card, online & EFTPOS access to your money.
  • Accessing equity, which is the amount you’ve paid off on your current loan.
At, the only fees you’ll pay to refinance are a one-off $300 settlement fee plus a valuation fee, which for a standard property in a metropolitan area in a major city starts at $220.

Many other lenders may charge an application fee, exit fees, discharge fees, so it’s important to do your research before making your decision.
We can provide approval for applicants in as little as 2-3 days, pending the customer's individual circumstances and all correct documentation has been provided. It's important to note that this is not a 'one size fits all' number, and the approval time will depend on each individual applicant's circumstances.

We'd always advise our customers to have the right documentation ready at application stage, so you can move forward with your application as quickly as possible. For more information for documents required for refinancing:
What documents do I need to refinance my home loan? .
You have the option to add a 100% offset sub-account to your loan. Many people choose to do this to help pay their home loan faster and save thousands on interest payments. For an extra 0.10% to the loan, you can add a 100% offset sub-account with online, ATM, EFTPOS & Visa debit card access to your money, plus unlimited free redraws. For more information on adding an offset click here.
Unlike many other lenders, we charge no monthly, annual or ongoing fees. The only fees you will pay on your home loan are a one-off $300 settlement fee plus a valuation fee, which for a standard property in a metropolitan area in a major city starts at $220.

Calculate your savings

Loading Calculator
Loan Details
Add Extra Payment

Your estimated repayments are

$ {{workbookData.repaymentPerMonth}} monthly f/nightly weekly

$ {{workbookData.totalPrincipalPaid}}
$ {{workbookData.totalInterestPaid}}

Ready to get started?


Get started

Apply online or speak to one of our Australian based loan specialists who will take care of all the paperwork for you. Applying is easy and we can settle your loan quickly so you start saving sooner. With you can have confidence in dealing with Australia's largest non-bank lender.


How much can I borrow?

It takes less than 3 minutes to calculate your borrowing power!


Ready to apply or want pre-approval?

Give us a call on 13 10 90 or start an online application.

Useful Resources


Guide to refinancing an investment property

Starting your property investment journey? We’ve put together a guide to help you. Here you’ll find a wealth of useful information such as easy steps to apply for a loan, advice on how to buy or refinance your investment property.

How it works - Home Loans - Refinance
Refinancing your investment property

Refinancing your home loan may seem like a daunting prospect, but doing so could save you thousands on your home loan.

Refinancing your investment property

If you haven’t checked to see if your investment loan is still competitive, now is the time! Here are some things to consider when refinancing your investment property.

Refinancing your investment property

If you've been thinking of refinancing your home loan, but don't know where to start, here's a step-by-step guide to help you.

Refinancing your investment property explains whether you can refinance a fixed-rate mortgage and how much it could cost you.

Refinancing your investment property

Obtain extra cash to fund your renovation by refinancing your home loan. Learn more about your loan options here.

Refinancing your investment property

Whether you're upgrading to a roomier home or have found a cheap home loan interest rate from another provider, refinancing your home loan could be on your horizon. 

Got a question? We can help


Chat online right now

Send us a message via Live Chat and we’ll get back to you instantly.


Talk to a lending specialist

Our experienced lending specialists can answer any questions you have on how to refinance and how we can help you to start saving.

TAP to chat!