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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
- Offset account option
- Unlimited extra repayments
- No restrictions on the number of loans under the package
- Competitive variable interest rates
- Redraw facility
- Save on interest rates, products and services
Rates
Check out our Variable Investment Loan Package rates!
Repayment type
- Principal & interest
- Interest only
Variable Investment Loan Package
Loan to Value Ratio (LVR) <70%
Loan size $100,000+
Loan size $100,000+
Discount to the standard variable rate
% p.a.
Interest rate with discount
The resulting interest rate after the discount has been applied.
% 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.
Variable Investment Loan Package
Loan to Value Ratio (LVR) 70.01% - 80%
Loan size $100,000+
Loan size $100,000+
Discount to the standard variable rate
% p.a.
Interest rate with discount
The resulting interest rate after the discount has been applied.
% 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.
Variable Investment Loan Package
Loan to Value Ratio (LVR) >80%
Loan size $100,000+
Loan size $100,000+
Discount to the standard variable rate
% p.a.
Interest rate with discount
The resulting interest rate after the discount has been applied.
% 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.
Variable Investment Loan Package
Loan to Value Ratio (LVR) <70%
Loan size $100,000+
Loan size $100,000+
Discount to the standard variable rate
% p.a.
Interest rate with discount
The resulting interest rate after the discount has been applied.
% 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.
Product overview
With one annual fee, our Variable Investment Loan Package allows you to combine several loans under the one package umbrella. This gives you the freedom to consider other home loan purchases such as owner occupied properties.
It also allows you to redraw any extra repayments and save money on interest rates, and provides a number of other benefits to a wide range of products and services.
To qualify, you need to have a minimum total investment lending of $100,000 in eligible package products.
Competitive variable interest rates
Chat to us to see what rate you qualify for
Loan terms up to 30 years
Flexibility to pay off the loan up to 30 years
Freedom to make unlimited extra repayments
Pay off your loan faster
Flexible repayment frequency
Pay weekly, fortnightly or monthly
Redraw facility
Access to extra cash if you're ahead on your repaymentsOffset account option
Link your loan and transaction account to help reduce the interest and time taken to pay off your loanInterest 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
Construction loan options 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
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.
Building or renovating my home
We’ve got finance options to help you renovate and bring your ideas to reality.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.
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.
