Home Sweet Home Residential Investment Loan
LVR <=70%
Home Sweet Home Residential Investment Loan
LVR >70%
Fixed Residenial Investment Loans Home Sweet Home Residential Investment Loan
LVR <=70%
Home Sweet Home Residential Investment Loan
LVR >70%
Fixed Residential Investment Loan
Repayment Arrangement Principal & Interest Principal & Interest Principal & Interest 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. Available as an alternative to a principal and interest arrangement. Also availabeleas 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 availabele 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.
Loan amounts and repayment terms
Minimum loan amount $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 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.
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
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
Interest only available No No No Yes Yes Yes
Additional repayments accepted Yes Yes Yes* Yes Yes Yes*
Redraw available Yes Yes Yes Yes Yes Yes
Minimum redraw amount 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
Fees
Establishment fee $350 $350 $350 $3505 $3505 $3505
Bridging Establishment fee N/A N/A N/A $500 $500 $500
Monthly fee $0 $0 $0 $0 $0 $0
Annual fee $150 $150 $0 $150 $150 $150
Redraw fee $0 $0 $0 $0 $0 $0
Early break fee No No Yes No No Yes
  Learn more > Learn more > Learn more > Learn more > Learn more > Learn more >

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.