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| Home Sweet Home Residential Investment Loan LVR <=70% |
Home Sweet Home Residential Investment Loan LVR >70% |
Fixed Residential Investment Loans LVR <=70% |
Fixed Residential Investment Loans LVR >70% |
Home Sweet Home Residential Investment Loan LVR <=70% |
Home Sweet Home Residential Investment Loan LVR >70% |
Fixed Residential Investment Loans LVR <=70% |
Fixed Residential Investment Loan LVR >70% |
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| Repayment Arrangement | Principal & Interest | Principal & Interest | Principal & Interest | Principal & Interest | Interest Only | Interest Only | Interest Only | Interest Only |
| Description | A competitive variable rate residential investment loan where the amount you borrow is less than or equal to 70% of the value of the property. | A competitive variable rate residential investment loan where the amount you borrow is greater than 70% of the value of the property. | Provides you with the peace of mind that comes from knowing your rates and payments remain the same for a fixed period of time. Note the example below is for 1 year fixed loan. 2, 3 and 5 year fixed loans are also available. A competitive fixed rate residential investment loan where the amount you borrow is less than or equal to 70% of the value of the property. | Provides you with the peace of mind that comes from knowing your rates and payments remain the same for a fixed period of time. Note the example below is for 1 year fixed loan. 2, 3 and 5 year fixed loans are also available. | Available as an alternative to a principal and interest arrangement. Also available as a short term facility for purposes such as the purchase or construction of your residential investment property or for bridging finance. Where the amount you borrow is less than or equal to 70% of the value of the property | Available as an alternative to a principal and interest arrangement. Also available as a short term facility for purposes such as the purchase or construction of your residential investment property or for bridging finance. Where the amount you borrow is greater than 70% of the value of the property. | Provides you with the peace of mind that comes from knowing your rates and payments remain the same for a fixed period of time. Note the example below is for 1 year fixed loan. 2, 3 and 5 year fixed loans are also available. | Provides you with the peace of mind that comes from knowing your rates and payments remain the same for a fixed period of time. Note the example below is for 1 year fixed loan. 2, 3 and 5 year fixed loans are also available. |
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Loan amounts and repayment terms |
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| Minimum loan amount | $50,000 | $50,000 | $50,000 | $50,000 | $50,000 | $50,000 | $50,000 | $50,000 |
| Maximum loan amount | 70% of property value. | 80% of property value. 95% of property value with mortgage insurance | 70% of property value. | 80% of property value. 95% of property value with mortgage insurance | 70% of property value. | 79% of the property value. If it's a bridging loan: 85% of property value with mortgage insurance. If it's not a bridging loan: 95% of property value with mortgage insurance. |
70% of property value. | 79% of the property value. If it's a bridging loan: 85% of property value with mortgage insurance. If it's not a bridging loan: 95% of property value with mortgage insurance. |
| Loan period | Up to 30 years | Up to 30 years | Up to 30 years | Up to 30 years | Up to 30 years | Up to 30 years | Up to 30 years | Up to 30 years |
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Repayments and redraw options |
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| Repayment frequency | Weekly, fortnightly or monthly | Weekly, fortnightly or monthly | Weekly, fortnightly or monthly | Weekly, fortnightly or monthly | Weekly, fortnightly or monthly | Weekly, fortnightly or monthly | Weekly, fortnightly or monthly | Weekly, fortnightly or monthly |
| Interest only available | No | No | No | No | Yes | Yes | Yes | Yes |
| Additional repayments accepted | Yes | Yes | Yes* | Yes* | Yes | Yes | Yes* | Yes* |
| Redraw available | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
| Minimum redraw amount | No minimum | No minimum | No minimum | No minimum | No minimum | No minimum | No minimum | No minimum |
| Offset account available | Yes, $150p.a | Yes, $150p.a | Yes, $150p.a | Yes, $150p.a | Yes, $150p.a | Yes, $150p.a | Yes, $150p.a | Yes, $150p.a |
| Fees | ||||||||
| Establishment fee | $350 | $350 | $350 | $350 | $3505 | $3505 | $3505 | $3505 |
| Bridging Establishment fee | N/A | N/A | N/A | N/A | $500 | $500 | $500 | $500 |
| Monthly fee | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Annual fee | $150 | $150 | $0 | $0 | $150 | $150 | $150 | $150 |
| Redraw fee | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Early break fee | No | No | Yes | Yes | No | No | Yes | Yes |
| Learn more > | Learn more > | Learn more > | Learn more > | Learn more > | Learn more > | Learn more > | Learn more > | |
*Fees may apply, if over a 12 month period, $30,000 or more is repaid over and above scheduled repayment amounts.
5. Establishment fee is not applicable if the loan purpose is bridging. The Bridging Establishment fee will be applicable in that instance.
