Smart Investment Home Loan

Take advantage of our low rates and personal service to buy your investment property with confidence.
Category: Home Loans  Last Updated April 23, 2026  Effective October 4, 2026

 General Lending Rates

Rates listed below are for a VARIABLE INVESTMENT P&I product. Additional Information Secured by mortgage over Residential property
Interest Rate
7.46% PA
Comparison Rate
7.52%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 Features

  • Redraw Additional Information: Free - Minimum amount $500
  • Digital Banking
  • Offset
  • Other Additional Information: Maximum term 30 years
  • Extra Repayments
  • Other Additional Information: Split Loan Allowed

 Product Eligibility

  • Min Age - 18.
  • Residency Status - Australian Resident Only.
  • Other Additional Information: Maximum LVR of 85% subject to Lenders Mortgage Insurance approval

 Bank Fees and Charges

  • Mortgage Discharge Fee (Exit), Amount: Not Listed.. Additional Information: Discharge fees are paid on discharge
  • Smart Home Loan Establishment Fee (Upfront), Amount: Not Listed.. Additional Information: Establishment fees paid on funding (Includes Mortgage Registration Fee)

 Limitations & Restrictions (Constraints)

  • Min Balance of 10000.00
  • Max Lvr of 0.80 Additional Information: Maximum LVR 80% without Lenders Mortgage Insurance