Investment Value Home Loan

Our Investment Value Home Loan has a number of features and great flexibility. It’s designed specifically for investment lending so you can build your investment property portfolio.
Category: Home Loans  Last Updated May 29, 2026  Effective June 3, 2026

 General Lending Rates

Rates listed below are for a VARIABLE INVESTMENT P&I product. Additional Information
Interest Rate
6.74% PA
Comparison Rate
6.77%PA*
Product rates will vary depending upon your financial position< LVR, and other criteria. The product may also vary depending upon the rate type, repayment type, or loan purpose. We encourage you to contact us for a full understanding of the product and terms.
Product Variations
Product rates and conditions will usually vary based on the LVR and other conditions..
  LVR 71% <80% (inc LMI)
Minimum: 71 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 6.89%, Comparison Rate 6.92%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR <=70%
  • Lending Rate Type: Variable
  • Interest Rate: 6.74%, Comparison Rate 6.77%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR 0% <=80%
  • Lending Rate Type: Variable
  • Interest Rate: 7.19%, Comparison Rate 7.23%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment

 Product Features

  • Redraw
  • Offset Additional Information: Available on loans with Principal and Interest repayments and Interest Only Loans (max 5 yrs) repayments
  • Extra Repayments
  • Loyalty Program
  • Other Additional Information: Split Loan

 Product Eligibility

  • Min Age - 18.
  • Employment Status - Applicants Must Be Currently Employed Or Receiving A Regular Income. Self Employed Clients Should Contact The Bank Prior To Applying.
  • Residency Status - Individuals Must Be Citizens Or Permanent Residents Of Australia..
  • Natural Person

 Bank Fees and Charges

  • Mortgage Discharge Fee (Event), Amount: 120.00. Additional Information: 3rd party costs
  • Arrears Notice Fee (Event), Amount: 20.00. Additional Information: 2nd and subsequent reminders by letter or phone
  • Switch/variation Fee - Home & Investment Loans (Event), Amount: 100.00. Additional Information: + 3rd party costs -To switch or vary home loans (other than switching to RateSaver)
  • Consent Fee (Event), Amount: 250.00. Additional Information: For 2nd or subsequent mortgages or lease registration
  • Default Notice Fee (Event), Amount: 30.00. Additional Information: Payable when a notice is issued regarding a default under the contract
  • Paper Statement Fee (per Statement) (Periodic), Amount: 2.00.
  • Copies Of Statements (over 12 Months) At Branch Or Posted (Event), Amount: 5.00. Additional Information: per page
  • Non-dhoas Processing Fee (Upfront), Amount: 450.00.
  • Copies Of Statements (up To 12 Months) At Branch (Event), Amount: 2.50.
  • Redraw Fee (per Redraw) (Transaction), Amount: 10.00.
  • Copies Of Statements (up To 12 Months) Posted (Event), Amount: 1.00. Additional Information: per page
  • Documentation Re-issue Fee (Event), Amount: 100.00. Additional Information: + 3rd party costs
  • Archive Retrieval Fee (Variable), Amount: Not Listed.. Additional Information: A $50 hourly fee applies plus any expenses incurred
  • Audit Certificate Fee (Event), Amount: 50.00. Additional Information: Per audit certificate requested
  • Ratesaver Switch Fee (Event), Amount: 100.00. Additional Information: + 3rd party costs -To switch to a RateSaver Loan
  • Property Valuation Fee (Variable), Amount: Not Listed.. Additional Information: At cost. Minimum is $250.00

 Limitations & Restrictions (Constraints)

  • Min Limit of 150000.00
  • Max Limit of 5000000.00
  • Min Lvr of 0.00
  • Max Lvr of 0.95