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Investment Loan Comparison Table

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Loan Type Variable Rate Home Loan Fixed Rate Home Loan
Description This loan would suit a property investor who is comfortable with the idea that rates may increase or decrease during the term of the loan. This loan would suit a property investor who would like to lock in an interest rate for a set period. After 12 months, you have the choice to switch to the Variable Rate Home Loan, or fix the loan once more.
Deposit Required 5% 5%
Mortgage Offset Offset Account Available Offset Account Available
Interest rates
Interest rate (pa) 4.79% pa1

Introductory Rate

1 Year Fixed Rate 4.59% pa

2 Year Fixed Rate 4.64% pa

3 Year Fixed Rate % pa

Comparison rate (pa)* 4.84% pa2 4.77% pa2
Loan amounts and repayment terms
Minimum loan amount $20,000  $20,000 
Minimum term 1  1 
Maximum term 30  30 
Early repayments without penalty Yes No. Break cost may apply
Free Loan Redraw Yes Yes
Monthly Account Keeping/service fees $0  $0 
Annual Fee $0  $0 


1 For loans up to 95% of the property value.

2 Comparison rate based on a secured loan of $150,000 over 25 years. Warning: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees and other loan amounts might result in a different comparison rate.


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