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You can apply online, by calling 13 11 82 or by visiting your nearest branch.
Important notice regarding Home Loan and Investment Loan Packages
From 17 June 2025 we will no longer be offering for sale Home Loan and Investment Loan Packages. Customers with a package established before 17 June 2025 will retain access to package benefits however will not be able to add a new package loan under their existing package. For any enquiries or changes to an existing Home Loan Package please contact us by calling 13 11 82 or click on “Talk to an expert” to see other ways you can get in touch.
Key benefits of this loan
- Flexible repayment frequency - pay weekly, fortnightly or monthly
- Interest only repayment option
- Rate-lock facility
- Split-loan interest rate option
- Save on interest rates, products and services
Rates
Check out our Fixed Investment Loan Package rates!
Repayment type
- Principal & interest
- Interest only
Fixed rate term
- 1 year
- 2 years
- 3 years
- 4 years
- 5 years
Principal and Interest
Loan to Value Ratio (LVR) <80%
Loan size $100,000+
Loan size $100,000+
Interest rate
An interest rate is the rate of interest you need to pay as the borrower to the lender. This is defined as a percentage of the loan amount and is usually expressed as an annual percentage.
% p.a.
Comparison rate
A comparison rate includes the interest rate and any fees and charges that relate to a loan. The comparison rate also depends on repayment frequency and the term of the loan.
% p.a.
Revert Rate
A revert rate is the interest rate that applies once your fixed rate period ends. Say you're on a two-year fixed rate. After that two-year period ends, the interest rate will revert to the applicable Variable Investment Loan Package Principal & Interest Rate for your loan at the time.
% p.a.
Principal and Interest
Loan to Value Ratio (LVR) >80%
Loan size $100,000+
Loan size $100,000+
Interest rate
An interest rate is the rate of interest you need to pay as the borrower to the lender. This is defined as a percentage of the loan amount and is usually expressed as an annual percentage.
% p.a.
Comparison rate
A comparison rate includes the interest rate and any fees and charges that relate to a loan. The comparison rate also depends on repayment frequency and the term of the loan.
% p.a.
Revert Rate
A revert rate is the interest rate that applies once your fixed rate period ends. Say you're on a two-year fixed rate. After that two-year period ends, the interest rate will revert to the applicable Variable Investment Loan Package Principal & Interest Rate for your loan at the time.
% p.a.
Interest Only
Loan to Value Ratio (LVR) <80%
Loan size $100,000+
Loan size $100,000+
Interest rate
An interest rate is the rate of interest you need to pay as the borrower to the lender. This is defined as a percentage of the loan amount and is usually expressed as an annual percentage.
% p.a.
Comparison rate
A comparison rate includes the interest rate and any fees and charges that relate to a loan. The comparison rate also depends on repayment frequency and the term of the loan.
% p.a.
Revert Rate
A revert rate is the interest rate that applies once your fixed rate period ends. Say you're on a two-year fixed rate. After that two-year period ends, the interest rate will revert to the applicable Variable Investment Loan Package Principal & Interest Rate for your loan at the time.
% p.a.
Principal and Interest
Loan to Value Ratio (LVR) <80%
Loan size $100,000+
Loan size $100,000+
Interest rate
An interest rate is the rate of interest you need to pay as the borrower to the lender. This is defined as a percentage of the loan amount and is usually expressed as an annual percentage.
% p.a.
Comparison rate
A comparison rate includes the interest rate and any fees and charges that relate to a loan. The comparison rate also depends on repayment frequency and the term of the loan.
% p.a.
Revert Rate
A revert rate is the interest rate that applies once your fixed rate period ends. Say you're on a two-year fixed rate. After that two-year period ends, the interest rate will revert to the applicable Variable Investment Loan Package Principal & Interest Rate for your loan at the time.
% p.a.
Principal and Interest
Loan to Value Ratio (LVR) >80%
Loan size $100,000+
Loan size $100,000+
Interest rate
An interest rate is the rate of interest you need to pay as the borrower to the lender. This is defined as a percentage of the loan amount and is usually expressed as an annual percentage.
% p.a.
Comparison rate
A comparison rate includes the interest rate and any fees and charges that relate to a loan. The comparison rate also depends on repayment frequency and the term of the loan.
% p.a.
Revert Rate
A revert rate is the interest rate that applies once your fixed rate period ends. Say you're on a two-year fixed rate. After that two-year period ends, the interest rate will revert to the applicable Variable Investment Loan Package Principal & Interest Rate for your loan at the time.
% p.a.
Interest Only
Loan to Value Ratio (LVR) <80%
Loan size $100,000+
Loan size $100,000+
Interest rate
An interest rate is the rate of interest you need to pay as the borrower to the lender. This is defined as a percentage of the loan amount and is usually expressed as an annual percentage.
% p.a.
Comparison rate
A comparison rate includes the interest rate and any fees and charges that relate to a loan. The comparison rate also depends on repayment frequency and the term of the loan.
% p.a.
Revert Rate
A revert rate is the interest rate that applies once your fixed rate period ends. Say you're on a two-year fixed rate. After that two-year period ends, the interest rate will revert to the applicable Variable Investment Loan Package Principal & Interest Rate for your loan at the time.
% p.a.
Principal and Interest
Loan to Value Ratio (LVR) <80%
Loan size $100,000+
Loan size $100,000+
Interest rate
An interest rate is the rate of interest you need to pay as the borrower to the lender. This is defined as a percentage of the loan amount and is usually expressed as an annual percentage.
% p.a.
Comparison rate
A comparison rate includes the interest rate and any fees and charges that relate to a loan. The comparison rate also depends on repayment frequency and the term of the loan.
% p.a.
Revert Rate
A revert rate is the interest rate that applies once your fixed rate period ends. Say you're on a two-year fixed rate. After that two-year period ends, the interest rate will revert to the applicable Variable Investment Loan Package Principal & Interest Rate for your loan at the time.
% p.a.
Principal and Interest
Loan to Value Ratio (LVR) >80%
Loan size $100,000+
Loan size $100,000+
Interest rate
An interest rate is the rate of interest you need to pay as the borrower to the lender. This is defined as a percentage of the loan amount and is usually expressed as an annual percentage.
% p.a.
Comparison rate
A comparison rate includes the interest rate and any fees and charges that relate to a loan. The comparison rate also depends on repayment frequency and the term of the loan.
% p.a.
Revert Rate
A revert rate is the interest rate that applies once your fixed rate period ends. Say you're on a two-year fixed rate. After that two-year period ends, the interest rate will revert to the applicable Variable Investment Loan Package Principal & Interest Rate for your loan at the time.
% p.a.
Interest Only
Loan to Value Ratio (LVR) <80%
Loan size $100,000+
Loan size $100,000+
Interest rate
An interest rate is the rate of interest you need to pay as the borrower to the lender. This is defined as a percentage of the loan amount and is usually expressed as an annual percentage.
% p.a.
Comparison rate
A comparison rate includes the interest rate and any fees and charges that relate to a loan. The comparison rate also depends on repayment frequency and the term of the loan.
% p.a.
Revert Rate
A revert rate is the interest rate that applies once your fixed rate period ends. Say you're on a two-year fixed rate. After that two-year period ends, the interest rate will revert to the applicable Variable Investment Loan Package Principal & Interest Rate for your loan at the time.
% p.a.
Principal and Interest
Loan to Value Ratio (LVR) <80%
Loan size $100,000+
Loan size $100,000+
Interest rate
An interest rate is the rate of interest you need to pay as the borrower to the lender. This is defined as a percentage of the loan amount and is usually expressed as an annual percentage.
% p.a.
Comparison rate
A comparison rate includes the interest rate and any fees and charges that relate to a loan. The comparison rate also depends on repayment frequency and the term of the loan.
% p.a.
Revert Rate
A revert rate is the interest rate that applies once your fixed rate period ends. Say you're on a two-year fixed rate. After that two-year period ends, the interest rate will revert to the applicable Variable Investment Loan Package Principal & Interest Rate for your loan at the time.
% p.a.
Principal and Interest
Loan to Value Ratio (LVR) >80%
Loan size $100,000+
Loan size $100,000+
Interest rate
An interest rate is the rate of interest you need to pay as the borrower to the lender. This is defined as a percentage of the loan amount and is usually expressed as an annual percentage.
% p.a.
Comparison rate
A comparison rate includes the interest rate and any fees and charges that relate to a loan. The comparison rate also depends on repayment frequency and the term of the loan.
% p.a.
Revert Rate
A revert rate is the interest rate that applies once your fixed rate period ends. Say you're on a two-year fixed rate. After that two-year period ends, the interest rate will revert to the applicable Variable Investment Loan Package Principal & Interest Rate for your loan at the time.
% p.a.
Interest Only
Loan to Value Ratio (LVR) <80%
Loan size $100,000+
Loan size $100,000+
Interest rate
An interest rate is the rate of interest you need to pay as the borrower to the lender. This is defined as a percentage of the loan amount and is usually expressed as an annual percentage.
% p.a.
Comparison rate
A comparison rate includes the interest rate and any fees and charges that relate to a loan. The comparison rate also depends on repayment frequency and the term of the loan.
% p.a.
Revert Rate
A revert rate is the interest rate that applies once your fixed rate period ends. Say you're on a two-year fixed rate. After that two-year period ends, the interest rate will revert to the applicable Variable Investment Loan Package Principal & Interest Rate for your loan at the time.
% p.a.
Principal and Interest
Loan to Value Ratio (LVR) <80%
Loan size $100,000+
Loan size $100,000+
Interest rate
An interest rate is the rate of interest you need to pay as the borrower to the lender. This is defined as a percentage of the loan amount and is usually expressed as an annual percentage.
% p.a.
Comparison rate
A comparison rate includes the interest rate and any fees and charges that relate to a loan. The comparison rate also depends on repayment frequency and the term of the loan.
% p.a.
Revert Rate
A revert rate is the interest rate that applies once your fixed rate period ends. Say you're on a two-year fixed rate. After that two-year period ends, the interest rate will revert to the applicable Variable Investment Loan Package Principal & Interest Rate for your loan at the time.
% p.a.
Principal and Interest
Loan to Value Ratio (LVR) >80%
Loan size $100,000+
Loan size $100,000+
Interest rate
An interest rate is the rate of interest you need to pay as the borrower to the lender. This is defined as a percentage of the loan amount and is usually expressed as an annual percentage.
% p.a.
Comparison rate
A comparison rate includes the interest rate and any fees and charges that relate to a loan. The comparison rate also depends on repayment frequency and the term of the loan.
% p.a.
Revert Rate
A revert rate is the interest rate that applies once your fixed rate period ends. Say you're on a two-year fixed rate. After that two-year period ends, the interest rate will revert to the applicable Variable Investment Loan Package Principal & Interest Rate for your loan at the time.
% p.a.
Interest Only
Loan to Value Ratio (LVR) <80%
Loan size $100,000+
Loan size $100,000+
Interest rate
An interest rate is the rate of interest you need to pay as the borrower to the lender. This is defined as a percentage of the loan amount and is usually expressed as an annual percentage.
% p.a.
Comparison rate
A comparison rate includes the interest rate and any fees and charges that relate to a loan. The comparison rate also depends on repayment frequency and the term of the loan.
% p.a.
Revert Rate
A revert rate is the interest rate that applies once your fixed rate period ends. Say you're on a two-year fixed rate. After that two-year period ends, the interest rate will revert to the applicable Variable Investment Loan Package Principal & Interest Rate for your loan at the time.
% p.a.
Product overview
Our Fixed Investment Loan Package is available for terms of between one and five years with the option for flexible repayment frequencies.
With one annual fee, the Fixed Investment Loan Package provides freedom – with no restrictions to the number of loans you can combine in a package.
Also included in your one annual fee are rate and fee discounts on a wide range of products and services.
To qualify, you need to have a minimum total home lending of $100,000 in eligible package products.
Lock in a competitive fixed interest rate for between one to five years
You'll have the opportunity to revisit your loan option after this periodLoan terms up to 30 years
Flexibility to pay off the loan up to 30 years
Make extra repayments up to $10,000 a year
Pay off your loan faster
Flexible repayment frequency
Pay weekly, fortnightly or monthly
Interest only repayment option
Reduce your loan repayments by paying only the interest due monthly
Split-loan interest rate option
Get the benefits of a part fixed and part variable interest rate loan
Rate-lock facility
Guarantee your chosen fixed rate for up to 90 days from when you apply to when your loan is funded (or settled)
Construction loan option available
Ask an expert and find out your options
Plus discounts on other products and services
See how you can save
$0 Application Fee
Save $600
$0 Top Up Fee
Save $400 per top-up. Ideal if you’re planning on renovating, investing, buying a car or going on a holiday
$0 Settlement Fee
Save $150
$0 Monthly Administration Fee
Save $96 per year for each loanFree Valuation
One each year
Free loan reviews
To ensure your loan is the best fit through all stages of your life
$0 Personal Loan Application Fee
Save $250
Fees
Upfront fees
Rate Lock Option Fee
0.15% of the total loan amount
Ongoing fees
Annual Fee
$395
Other fees
Lenders Mortgage Insurance (LMI)
Payable for loans with a deposit less than 20% (80% Loan to Value Ratio (LVR) or higher)
Third party chargesThird party charges apply (e.g. stamp duty)
Disclosure documents
Fees and charges brochureDownload our Fees and charges brochure (PDF, 152KB)
Do some quick maths
Let’s help you with those sums! We have a range of calculators so you can nut out the financial aspects of your loan, such as repayments, borrowing power, total loan costs and more.
What else do I need to consider?
Investing in property
Thinking of investing in property but not sure where to start? That's what we're here for.
Buying a home
No matter where you are on your home buying journey, we're here to help you get the home you really want.Building or renovating my home
We’ve got finance options to help you renovate and bring your ideas to reality.
Guides and tips
Variable vs fixed rate: which loan is best for you?
Understand the differences between variable and fixed home loans and find which option is best for you.
How to profile a suburb for investment
What is it that really makes a suburb desirable to investors?
We’re here to chat if you need us!
Get in touch with us and we can help you get the answers you need.
