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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 |
| Availability | Available for new business only | Available for new business 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. |
| Loan amounts and repayment terms | ||||||||
| 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 |
| Repayments and redraw options | ||||||||
| 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 > | |
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Why choose us?
Our purpose is to provide personalised banking services to our members. Our Values are ...
It's all about you
Our members are our reason for being, everything we do, we do for them.
A trusted partner
We will earn our members' trust everyday by acting honestly, ethically and in their best interests.
People for people
In a world of technological innovation, we understand the value of people.
Committed custodian
We will embrace our responsibilities by developing our staff, supporting our communities and respecting the environment.
Important information
*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.
