Our Home Sweet Home Residential Investment Loan

A variable residential investment loan ideal for both experienced and first time investors. Benefit from a variable interest rate and take advantage of flexible repayment options of weekly, fortnightly or monthly. Extra repayments are allowed without penalty.

The rate is reduced if the loan-to-value ratio (LVR) is <= 70% (see rates below). LVR is the amount you are borrowing represented as a percentage of the value of the property you are buying e.g. $400,000 loan divided by $500,000 property value is 80%.

SPECIAL DISCOUNT RATE

The rate below includes a honeymoon discount of 0.60%p.a. for 2 years

6.14 % p.a. Interest rate 6.83 % p.a. Comparison rate

Investment, variable, principal & interest, LVR 70% or less.

Special Discount Rate is available for new business only.

Click Interest Rates below for LVR >70% loans.

No Loan Establishment fees, Horizon solicitor fees or Valuers fees for loans $300k or more! 

Features LVR <=70% LVR > 70%
Repayment Arrangement Principal & Interest Principal & Interest
Minimum amount $50,000 $50,000
Maximum amount 70% of property value. 80% of property value. 95% of property value with mortgage insurance
Loan period Up to 30 years Up to 30 years
Repayment frequency Weekly, fortnightly or monthly Weekly, fortnightly or monthly
Interest only available No No
Additional repayments accepted Yes Yes
Redraw available Yes Yes
Redraw Fee $0 $0
Minimum redraw amount No minimum No minimum
Offset account available Yes Yes
Offset fee $150 p.a. $150 p.a.
Establishment fee $350 $350
Bridging Establishment fee N/A N/A
Monthly fee $0 $0
Annual fee $150 $150
Early break fee No No
Investment Home Sweet Home Loan LVR Interest rate p.a. Comparison rate p.a. Standard Rate p.a.
Principal & Interest <=70% 6.14% p.a. 6.83% p.a. 6.74% p.a.
Principal & Interest >70% 6.29% p.a. 6.98% p.a. 6.89% p.a.

How much would my repayments be?

You will need to adjust the interest rate below to provide an indication of results.

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  • 1 Terms and conditions, fees & charges apply and are available on application. Approval conditions apply. The loan is secured and the rate is variable. Additional fees and charges will apply. The establishment fee is for one property, one mortgage preparation and one property valuation only. SPECIAL DISCOUNT RATE - The rate includes a 0.60%p.a. honeymoon discount for 2 years. Available for new business only.
  • 2 The comparison rate is calculated on a loan amount of $150,000 over a term of 25 years. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.