Basic Variable Investment Loan

Our Basic Variable Investment Loan may give you the flexibility and freedom you've been looking for.
Basic Variable Investment Loan
Loan to Value Ratio (LVR) <70%
LVR
LVR = Loan to Value Ratio. This is the amount of money being borrowed, compared to the property’s total value and is usually stated as a percentage.
Loan size
The minimum amount that needs to be in the account.
Discount to the basic variable rate
A discount to the basic variable interest rate (BVR).
Interest rate with discount
The resulting interest rate after the discount has been applied.
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.
Principal and Interest
Discount to the basic variable rate
A discount to the basic variable interest rate (BVR).
% p.a.
Interest Only
Discount to the basic variable rate
A discount to the basic variable interest rate (BVR).
% p.a.
Basic Variable Investment Loan
Loan to Value Ratio (LVR) 70.01% - 80%
LVR
LVR = Loan to Value Ratio. This is the amount of money being borrowed, compared to the property’s total value and is usually stated as a percentage.
Loan size
The minimum amount that needs to be in the account.
Discount to the basic variable rate
A discount to the basic variable interest rate (BVR).
Interest rate with discount
The resulting interest rate after the discount has been applied.
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.
Principal and Interest
Discount to the basic variable rate
A discount to the basic variable interest rate (BVR).
% p.a.
Interest Only
Discount to the basic variable rate
A discount to the basic variable interest rate (BVR).
% p.a.
Basic Variable Investment Loan
Loan to Value Ratio (LVR) >80%
LVR
LVR = Loan to Value Ratio. This is the amount of money being borrowed, compared to the property’s total value and is usually stated as a percentage.
Loan size
The minimum amount that needs to be in the account.
Discount to the basic variable rate
A discount to the basic variable interest rate (BVR).
Interest rate with discount
The resulting interest rate after the discount has been applied.
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.
Principal and Interest
Discount to the basic variable rate
A discount to the basic variable interest rate (BVR).
% p.a.
Basic Variable Investment Loan
Reference Rate Name: Basic Variable Investment Rate or Basic Variable Investment Interest Only Rate
LVR
LVR = Loan to Value Ratio. This is the amount of money being borrowed, compared to the property’s total value and is usually stated as a percentage.
Loan size
The minimum amount that needs to be in the account.
Discount to the basic variable rate
A discount to the basic variable interest rate (BVR).
Interest rate with discount
The resulting interest rate after the discount has been applied.
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.
Principal and Interest
Discount to the basic variable rate
A discount to the basic variable interest rate (BVR).
% p.a.
Interest Only
Discount to the basic variable rate
A discount to the basic variable interest rate (BVR).
% p.a.

Fixed Rate Investment Loan

Our Fixed Rate Investment Loan can help you open the door to your new investment property.
1 Year Fixed Rate
Loan to Value Ratio (LVR) <80%
LVR
Loan size
The minimum amount that needs to be borrowed for the loan.
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.
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.
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 Standard Variable Investment Rate relevant to your loan at the time.
Principal and Interest
LVR
%
Interest Only
LVR
%
1 Year Fixed Rate
Loan to Value Ratio (LVR) >80%
LVR
Loan size
The minimum amount that needs to be borrowed for the loan.
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.
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.
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 Standard Variable Investment Rate relevant to your loan at the time.
Principal and Interest
LVR
%
2 Year Fixed Rate
Loan to Value Ratio (LVR) <80%
LVR
Loan size
The minimum amount that needs to be borrowed for the loan.
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.
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.
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 Standard Variable Investment Rate relevant to your loan at the time.
Principal and Interest
LVR
%
Interest Only
LVR
%
2 Year Fixed Rate
Loan to Value Ratio (LVR) >80%
LVR
Loan size
The minimum amount that needs to be borrowed for the loan.
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.
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.
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 Standard Variable Investment Rate relevant to your loan at the time.
Principal and Interest
LVR
%
3 Year Fixed Rate
Loan to Value Ratio (LVR) <80%
LVR
Loan size
The minimum amount that needs to be borrowed for the loan.
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.
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.
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 Standard Variable Investment Rate relevant to your loan at the time.
Principal and Interest
LVR
%
Interest Only
LVR
%
3 Year Fixed Rate
Loan to Value Ratio (LVR) >80%
LVR
Loan size
The minimum amount that needs to be borrowed for the loan.
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.
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.
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 Standard Variable Investment Rate relevant to your loan at the time.
Principal and Interest
LVR
%
4 Year Fixed Rate
Loan to Value Ratio (LVR) <80%
LVR
Loan size
The minimum amount that needs to be borrowed for the loan.
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.
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.
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 Standard Variable Investment Rate relevant to your loan at the time.
Principal and Interest
LVR
%
Interest Only
LVR
%
4 Year Fixed Rate
Loan to Value Ratio (LVR) >80%
LVR
Loan size
The minimum amount that needs to be borrowed for the loan.
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.
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.
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 Standard Variable Investment Rate relevant to your loan at the time.
Principal and Interest
LVR
%
5 Year Fixed Rate
Loan to Value Ratio (LVR) <80%
LVR
Loan size
The minimum amount that needs to be borrowed for the loan.
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.
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.
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 Standard Variable Investment Rate relevant to your loan at the time.
Principal and Interest
LVR
%
Interest Only
LVR
%
5 Year Fixed Rate
Loan to Value Ratio (LVR) >80%
LVR
Loan size
The minimum amount that needs to be borrowed for the loan.
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.
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.
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 Standard Variable Investment Rate relevant to your loan at the time.
Principal and Interest
LVR
%

Former Investment Loans

No longer for sale from 17 June 2025

Variable Investment Loan Package

Not available for new business from 17 June 2025.
Variable Investment Loan Package
Loan to Value Ratio (LVR) <70%
LVR
LVR = Loan to Value Ratio. This is the amount of money being borrowed, compared to the property’s total value and is usually stated as a percentage.
Loan size
The minimum amount that needs to be borrowed for the loan.
Discount to the standard variable rate
Interest rate with discount
The resulting interest rate after the discount has been applied.
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.
Principal and Interest
Discount to the standard variable rate
% p.a.
Interest Only
Discount to the standard variable rate
% p.a.
Variable Investment Loan Package
Loan to Value Ratio (LVR) 70.01% - 80%
LVR
LVR = Loan to Value Ratio. This is the amount of money being borrowed, compared to the property’s total value and is usually stated as a percentage.
Loan size
The minimum amount that needs to be borrowed for the loan.
Discount to the standard variable rate
Interest rate with discount
The resulting interest rate after the discount has been applied.
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.
Principal and Interest
Discount to the standard variable rate
% p.a.
Interest Only
Discount to the standard variable rate
% p.a.
Variable Investment Loan Package
Loan to Value Ratio (LVR) >80%
LVR
LVR = Loan to Value Ratio. This is the amount of money being borrowed, compared to the property’s total value and is usually stated as a percentage.
Loan size
The minimum amount that needs to be borrowed for the loan.
Discount to the standard variable rate
Interest rate with discount
The resulting interest rate after the discount has been applied.
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.
Principal and Interest
Discount to the standard variable rate
% p.a.

Fixed Investment Loan Package

Not available for new business from 17 June 2025.
1 Year Fixed Investment Loan Package
Loan to Value Ratio (LVR) <80%
LVR
LVR = Loan to Value Ratio. This is the amount of money being borrowed, compared to the property’s total value and is usually stated as a percentage.
Loan size
The minimum amount that needs to be borrowed for the loan.
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.
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.
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.
Principal and Interest
Interest Only
1 Year Fixed Investment Loan Package
Loan to Value Ratio (LVR) >80%
LVR
LVR = Loan to Value Ratio. This is the amount of money being borrowed, compared to the property’s total value and is usually stated as a percentage.
Loan size
The minimum amount that needs to be borrowed for the loan.
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.
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.
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.
Principal and Interest
2 Year Fixed Investment Loan Package
Loan to Value Ratio (LVR) <80%
LVR
LVR = Loan to Value Ratio. This is the amount of money being borrowed, compared to the property’s total value and is usually stated as a percentage.
Loan size
The minimum amount that needs to be borrowed for the loan.
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.
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.
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.
Principal and Interest
Interest Only
2 Year Fixed Investment Loan Package
Loan to Value Ratio (LVR) >80%
LVR
LVR = Loan to Value Ratio. This is the amount of money being borrowed, compared to the property’s total value and is usually stated as a percentage.
Loan size
The minimum amount that needs to be borrowed for the loan.
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.
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.
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.
Principal and Interest
3 Year Fixed Investment Loan Package
Loan to Value Ratio (LVR) <80%
LVR
LVR = Loan to Value Ratio. This is the amount of money being borrowed, compared to the property’s total value and is usually stated as a percentage.
Loan size
The minimum amount that needs to be borrowed for the loan.
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.
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.
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.
Principal and Interest
Interest Only
3 Year Fixed Investment Loan Package
Loan to Value Ratio (LVR) >80%
LVR
LVR = Loan to Value Ratio. This is the amount of money being borrowed, compared to the property’s total value and is usually stated as a percentage.
Loan size
The minimum amount that needs to be borrowed for the loan.
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.
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.
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.
Principal and Interest
4 Year Fixed Investment Loan Package
Loan to Value Ratio (LVR) <80%
LVR
LVR = Loan to Value Ratio. This is the amount of money being borrowed, compared to the property’s total value and is usually stated as a percentage.
Loan size
The minimum amount that needs to be borrowed for the loan.
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.
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.
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.
Principal and Interest
Interest Only
4 Year Fixed Investment Loan Package
Loan to Value Ratio (LVR) >80%
LVR
LVR = Loan to Value Ratio. This is the amount of money being borrowed, compared to the property’s total value and is usually stated as a percentage.
Loan size
The minimum amount that needs to be borrowed for the loan.
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.
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.
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.
Principal and Interest
5 Year Fixed Investment Loan Package
Loan to Value Ratio (LVR) <80%
LVR
LVR = Loan to Value Ratio. This is the amount of money being borrowed, compared to the property’s total value and is usually stated as a percentage.
Loan size
The minimum amount that needs to be borrowed for the loan.
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.
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.
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.
Principal and Interest
Interest Only
5 Year Fixed Investment Loan Package
Loan to Value Ratio (LVR) >80%
LVR
LVR = Loan to Value Ratio. This is the amount of money being borrowed, compared to the property’s total value and is usually stated as a percentage.
Loan size
The minimum amount that needs to be borrowed for the loan.
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.
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.
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.
Principal and Interest

Standard Variable Investment Loan

Standard Variable Investment Loan Product is not available for new business from 17 June 2025.
Reference Rate Name
Loan size
The minimum amount that needs to be borrowed for the loan.
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.
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.
Standard Variable Investment Rate
Standard Variable Investment Interest Only Rate

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