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Basic Variable home Loan

With all the features you need to manage your repayments and a low ongoing variable interest rate, our investment loan means your search for an investment loan is over and the search for a property can begin.

Features

• 3 month pre-approval allows you to search for an investment property with confidence.
• Loan terms up to 30 years mean you can maximise your loan term and minimise your regular repayments.
• Flexible principal and interest repayment options allow you to choose:
  • when you pay – weekly, fortnightly or monthly to align with your rent or pay cycle;
  • how you pay – payroll deductions, direct credit or over the counter;
  • and even how much you pay – minimum monthly repayment or add extra.
• Redraw lets you withdraw any extra repayments you have made.¹
• Borrow up to 95% of the value of the security property.²

Rates & Fees

• A low variable interest rate that’s 0.70%pa below our standard variable interest rate.
• Establishment fee $445; First Home Buyers enjoy a discount to $0.³
• Monthly service fee of $11.

Extras

• A pre-approved overdraft limit.⁴
• Insure your investment property.
• Basic Variable Home Loan fact sheet.

• Our Investing in Property Basics provide some simple facts.
• Our Handy Home Loan Tips can help you to manage your home loan.
• Investment essentials advice from the ATO.
• Useful tips and checklists for buying and renovating your home including green tips.
• Green living tips from the Australian Conservation Foundation.

  

Important Information

Terms, conditions, fees, charges and normal lending criteria apply. Full details are available in our loan offer or on request.

¹Redraws are subject to approval. A fee is payable for each redraw. ²Lenders Mortgage Insurance is required where the loan is greater than 80% of the value of the security property. This may vary based on the location of the property. ³A settlement fee of $150 and other upfront fees including valuation fees and government charges are payable. Any waived establishment fee is payable if the loan is refinanced to another financial institution within the first 3 years of settlement. ⁴Pre approved overdraft limits up to $5,000 to approved applicants.