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Compare investment loans

    Basic Variable Investment Loan

    Our Basic Variable Investment Loan may give you the flexibility and freedom you've been looking for.
    Apply online
    View loan details
    New Business Offer - Basic Variable Investment Loan
    Loan to Value Ratio (LVR) <70%
    Principal and Interest
     
    LVR
    70
    %
    Loan 
    size
    $
    150,000
    +
    Discount to the basic variable 
    rate
    2.79
    % p.a.
    Interest rate with 
    discount
    5.79
    % p.a.
    Comparison 
    rate
    5.80
    % p.a.
    Interest Only
     
    LVR
    70
    %
    Loan 
    size
    $
    150,000
    +
    Discount to the basic variable 
    rate
    2.90
    % p.a.
    Interest rate with 
    discount
    6.09
    % p.a.
    Comparison 
    rate
    5.92
    % p.a.
    New Business Offer - Basic Variable Investment Loan
    Loan to Value Ratio (LVR) 70.01% - 80%
    Principal and Interest
     
    LVR
    80
    %
    Loan 
    size
    $
    150,000
    +
    Discount to the basic variable 
    rate
    2.69
    % p.a.
    Interest rate with 
    discount
    5.89
    % p.a.
    Comparison 
    rate
    5.90
    % p.a.
    Interest Only
     
    LVR
    80
    %
    Loan 
    size
    $
    150,000
    +
    Discount to the basic variable 
    rate
    2.80
    % p.a.
    Interest rate with 
    discount
    6.19
    % p.a.
    Comparison 
    rate
    6.02
    % p.a.
    New Business Offer - Basic Variable Investment Loan
    Loan to Value Ratio (LVR) >80%
    Principal and Interest
     
    LVR
    90
    %
    Loan 
    size
    $
    150,000
    +
    Discount to the basic variable 
    rate
    2.19
    % p.a.
    Interest rate with 
    discount
    6.39
    % p.a.
    Comparison 
    rate
    6.40
    % p.a.
    Basic Variable Investment Loan
    Loan to Value Ratio (LVR) <80%
    Principal and Interest
     
    LVR
    80
    %
    Loan 
    size
    $
    20,000
    +
    Discount to the basic variable 
    rate
    0.25
    % p.a.
    Interest rate with 
    discount
    8.33
    % p.a.
    Comparison 
    rate
    8.33
    % p.a.
    Interest Only
     
    LVR
    80
    %
    Loan 
    size
    $
    20,000
    +
    Discount to the basic variable 
    rate
    0.30
    % p.a.
    Interest rate with 
    discount
    8.69
    % p.a.
    Comparison 
    rate
    8.50
    % p.a.
    Basic Variable Investment Loan
    Principal and Interest
     
    LVR
    90
    %
    Loan 
    size
    $
    20,000
    +
    Discount to the basic variable 
    rate
    0.00
    % p.a.
    Interest rate with 
    discount
    8.58
    % p.a.
    Comparison 
    rate
    8.58
    % p.a.
    Interest Only
     
    LVR
    90
    %
    Loan 
    size
    $
    20,000
    +
    Discount to the basic variable 
    rate
    0.00
    % p.a.
    Interest rate with 
    discount
    8.99
    % p.a.
    Comparison 
    rate
    8.77
    % p.a.

    Variable Investment Loan Package

    Our Variable Investment Loan Package provides a discounted rate for the life of the loan, with the flexibility to make unlimited extra repayments.
    Apply online
    View loan details
    Variable Investment Loan Package
    Loan to Value Ratio (LVR) <70%
    Principal and Interest
     
    LVR
    70
    %
    Loan 
    size
    $
    100,000
    +
    Discount to the standard variable rate
    3.37
    % p.a.
    Interest rate with 
    discount
    5.79
    % p.a.
    Comparison 
    rate
    6.16
    % p.a.
    Interest Only
     
    LVR
    70
    %
    Loan 
    size
    $
    100,000
    +
    Discount to the standard variable rate
    3.37
    % p.a.
    Interest rate with 
    discount
    6.09
    % p.a.
    Comparison 
    rate
    6.26
    % p.a.
    Variable Investment Loan Package
    Loan to Value Ratio (LVR) 70.01% - 80%
    Principal and Interest
     
    LVR
    80
    %
    Loan 
    size
    $
    100,000
    +
    Discount to the standard variable rate
    3.27
    % p.a.
    Interest rate with 
    discount
    5.89
    % p.a.
    Comparison 
    rate
    6.26
    % p.a.
    Interest Only
     
    LVR
    80
    %
    Loan 
    size
    $
    100,000
    +
    Discount to the standard variable rate
    3.27
    % p.a.
    Interest rate with 
    discount
    6.19
    % p.a.
    Comparison 
    rate
    6.36
    % p.a.
    Variable Investment Loan Package
    Loan to Value Ratio (LVR) >80%
    Principal and Interest
     
    LVR
    90
    %
    Loan 
    size
    $
    100,000
    +
    Discount to the standard variable rate
    2.77
    % p.a.
    Interest rate with 
    discount
    6.39
    % p.a.
    Comparison 
    rate
    6.76
    % p.a.

    Fixed Investment Loan Package

    Bring out the savvy investor within you by locking in our Fixed Investment Loan Package rate.
    Apply online
    View loan details
    1 Year Fixed Investment Loan Package
    Loan to Value Ratio (LVR) <80%
    Principal and Interest
     
    LVR
    80
    %
    Loan 
    size
    $
    100,000
    +
    Interest 
    rate
    5.79
    % p.a.
    Comparison 
    rate
    6.25
    % p.a.
    Revert 
    Rate
    5.89
    % p.a.
    Interest Only
     
    LVR
    80
    %
    Loan 
    size
    $
    100,000
    +
    Interest 
    rate
    5.99
    % p.a.
    Comparison 
    rate
    6.27
    % p.a.
    Revert 
    Rate
    5.89
    % p.a.
    1 Year Fixed Investment Loan Package
    Loan to Value Ratio (LVR) >80%
    Principal and Interest
     
    LVR
    90
    %
    Loan 
    size
    $
    100,000
    +
    Interest 
    rate
    6.19
    % p.a.
    Comparison 
    rate
    6.29
    % p.a.
    Revert 
    Rate
    5.89
    % p.a.
    2 Year Fixed Investment Loan Package
    Loan to Value Ratio (LVR) <80%
    Principal and Interest
     
    LVR
    80
    %
    Loan 
    size
    $
    100,000
    +
    Interest 
    rate
    5.69
    % p.a.
    Comparison 
    rate
    6.22
    % p.a.
    Revert 
    Rate
    5.89
    % p.a.
    Interest Only
     
    LVR
    80
    %
    Loan 
    size
    $
    100,000
    +
    Interest 
    rate
    5.89
    % p.a.
    Comparison 
    rate
    6.25
    % p.a.
    Revert 
    Rate
    5.89
    % p.a.
    2 Year Fixed Investment Loan Package
    Loan to Value Ratio (LVR) >80%
    Principal and Interest
     
    LVR
    90
    %
    Loan 
    size
    $
    100,000
    +
    Interest 
    rate
    6.09
    % p.a.
    Comparison 
    rate
    6.30
    % p.a.
    Revert 
    Rate
    5.89
    % p.a.
    3 Year Fixed Investment Loan Package
    Loan to Value Ratio (LVR) <80%
    Principal and Interest
     
    LVR
    80
    %
    Loan 
    size
    $
    100,000
    +
    Interest 
    rate
    5.69
    % p.a.
    Comparison 
    rate
    6.21
    % p.a.
    Revert 
    Rate
    5.89
    % p.a.
    Interest Only
     
    LVR
    80
    %
    Loan 
    size
    $
    100,000
    +
    Interest 
    rate
    5.89
    % p.a.
    Comparison 
    rate
    6.25
    % p.a.
    Revert 
    Rate
    5.89
    % p.a.
    3 Year Fixed Investment Loan Package
    Loan to Value Ratio (LVR) >80%
    Principal and Interest
     
    LVR
    90
    %
    Loan 
    size
    $
    100,000
    +
    Interest 
    rate
    6.09
    % p.a.
    Comparison 
    rate
    6.32
    % p.a.
    Revert 
    Rate
    5.89
    % p.a.
    4 Year Fixed Investment Loan Package
    Loan to Value Ratio (LVR) <80%
    Principal and Interest
     
    LVR
    80
    %
    Loan 
    size
    $
    100,000
    +
    Interest 
    rate
    5.89
    % p.a.
    Comparison 
    rate
    6.26
    % p.a.
    Revert 
    Rate
    5.89
    % p.a.
    Interest Only
     
    LVR
    80
    %
    Loan 
    size
    $
    100,000
    +
    Interest 
    rate
    6.09
    % p.a.
    Comparison 
    rate
    6.31
    % p.a.
    Revert 
    Rate
    5.89
    % p.a.
    4 Year Fixed Investment Loan Package
    Loan to Value Ratio (LVR) >80%
    Principal and Interest
     
    LVR
    90
    %
    Loan 
    size
    $
    100,000
    +
    Interest 
    rate
    6.29
    % p.a.
    Comparison 
    rate
    6.41
    % p.a.
    Revert 
    Rate
    5.89
    % p.a.
    5 Year Fixed Investment Loan Package
    Loan to Value Ratio (LVR) <80%
    Principal and Interest
     
    LVR
    80
    %
    Loan 
    size
    $
    100,000
    +
    Interest 
    rate
    5.89
    % p.a.
    Comparison 
    rate
    6.26
    % p.a.
    Revert 
    Rate
    5.89
    % p.a.
    Interest Only
     
    LVR
    80
    %
    Loan 
    size
    $
    100,000
    +
    Interest 
    rate
    6.09
    % p.a.
    Comparison 
    rate
    6.32
    % p.a.
    Revert 
    Rate
    5.89
    % p.a.
    5 Year Fixed Investment Loan Package
    Loan to Value Ratio (LVR) >80%
    Principal and Interest
     
    LVR
    90
    %
    Loan 
    size
    $
    100,000
    +
    Interest 
    rate
    6.29
    % p.a.
    Comparison 
    rate
    6.44
    % p.a.
    Revert 
    Rate
    5.89
    % p.a.

    Fixed Rate Investment Loan

    Our Fixed Rate Investment Loan can help you open the door to your new investment property.
    Apply online
    View loan details
    1 Year Fixed Rate
    Principal and Interest
    Loan 
    size
    $
    20,000
    +
    Interest 
    rate
    5.99
    % p.a.
    Comparison 
    rate
    8.94
    % p.a.
    Revert 
    Rate
    9.16
    % p.a.
    Interest Only
    Loan 
    size
    $
    20,000
    +
    Interest 
    rate
    6.19
    % p.a.
    Comparison 
    rate
    8.96
    % p.a.
    Revert 
    Rate
    9.16
    % p.a.
    2 Year Fixed Rate
    Principal and Interest
    Loan 
    size
    $
    20,000
    +
    Interest 
    rate
    5.89
    % p.a.
    Comparison 
    rate
    8.59
    % p.a.
    Revert 
    Rate
    9.16
    % p.a.
    Interest Only
    Loan 
    size
    $
    20,000
    +
    Interest 
    rate
    6.09
    % p.a.
    Comparison 
    rate
    8.64
    % p.a.
    Revert 
    Rate
    9.16
    % p.a.
    3 Year Fixed Rate
    Principal and Interest
    Loan 
    size
    $
    20,000
    +
    Interest 
    rate
    5.89
    % p.a.
    Comparison 
    rate
    8.30
    % p.a.
    Revert 
    Rate
    9.16
    % p.a.
    Interest Only
    Loan 
    size
    $
    20,000
    +
    Interest 
    rate
    6.09
    % p.a.
    Comparison 
    rate
    8.37
    % p.a.
    Revert 
    Rate
    9.16
    % p.a.
    4 Year Fixed Rate
    Principal and Interest
    Loan 
    size
    $
    20,000
    +
    Interest 
    rate
    6.09
    % p.a.
    Comparison 
    rate
    8.11
    % p.a.
    Revert 
    Rate
    9.16
    % p.a.
    Interest Only
    Loan 
    size
    $
    20,000
    +
    Interest 
    rate
    6.29
    % p.a.
    Comparison 
    rate
    8.21
    % p.a.
    Revert 
    Rate
    9.16
    % p.a.
    5 Year Fixed Rate
    Principal and Interest
    Loan 
    size
    $
    20,000
    +
    Interest 
    rate
    6.09
    % p.a.
    Comparison 
    rate
    7.89
    % p.a.
    Revert 
    Rate
    9.16
    % p.a.
    Interest Only
    Loan 
    size
    $
    20,000
    +
    Interest 
    rate
    6.29
    % p.a.
    Comparison 
    rate
    8.01
    % p.a.
    Revert 
    Rate
    9.16
    % p.a.

    Standard Variable Investment Loan

    We understand you have an ever-changing lifestyle, so why not have an investment loan with flexibility?
    Apply online
    View loan details
    Investment and Construction Loans
    Principal and Interest
    Loan 
    size
    $
    20,000
    +
    Interest 
    rate
    9.16
    % p.a.
    Comparison 
    rate
    9.22
    % p.a.
    Interest Only
    Loan 
    size
    $
    20,000
    +
    Interest 
    rate
    9.46
    % p.a.
    Comparison 
    rate
    9.36
    % p.a.

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    Important to know

    • Limited Time Only. Rates are current for new applications from 31 October 2024, with rates and discounts subject to change at any time. Members with an existing Basic Variable loan must increase their borrowings by an amount that increases their Basic Variable loan to an amount greater than $150,000. No Offset Account allowed. Rate subject to Loan to Value Ratio (LVR) criteria at time of application.
    • Rates are current for new applications from 04 March 2025, with rates and discounts subject to change at any time. Minimum new borrowings $20,000. No Offset Account allowed.
    • Borrower must qualify for an Investment Loan Package. Current Annual Fee of $395 applies. Rate current for new applications from 04 March 2025 and subject to change without notice. Under the Package, a 3.37%p.a. discount is applied to the Standard Variable Investment Principal and Interest rate for the life of the loan. Maximum Loan to Value Ratio (LVR) is 70.00%. Minimum new borrowings $100,000.
    • Borrower must qualify for an Investment Loan Package. Current Annual Fee of $395 applies. Rate current for new applications from 04 March 2025 and subject to change without notice. Under the Package, a 3.37%p.a. discount is applied to the Standard Variable Investment Interest Only rate for the life of the loan. Maximum Loan to Value Ratio (LVR) is 70.00%. Minimum new borrowings $100,000.
    • Borrower must qualify for an Investment Loan Package. Current Annual Fee of $395 applies. Rate current for new applications from 04 March 2025 and subject to change without notice. Under the Package, 3.27%p.a. discount is applied to the Standard Variable Investment Principal and Interest rate for the life of the loan. Loan to Value Ratio (LVR) is between 70.01% and 80.00%. Minimum new borrowings $100,000.
    • Borrower must qualify for an Investment Loan Package. Current Annual Fee of $395 applies. Rate current for new applications from 04 March 2025 and subject to change without notice. Under the Package, a 3.27%p.a. discount is applied to the Standard Variable Investment Interest Only rate for the life of the loan. Loan to Value Ratio (LVR) is between 70.01% and 80.00%. Minimum new borrowings $100,000.
    • Borrower must qualify for an Investment Loan Package. Current Annual Fee of $395 applies. Rate current for new applications from 04 March 2025 and subject to change without notice. Under the Package, a 2.77%p.a. discount is applied to the Standard Variable Investment Principal and Interest rate for the life of the loan. Loan to Value Ratio (LVR) >80.00%. Minimum new borrowings $100,000.
    • LVR = Loan to Value Ratio.
    • Rates quoted are current at date of issue and may change without notice.
    • After the fixed period, the loan reverts to the Variable Investment Loan Package Principal and Interest rate at the time, which is currently 5.89%p.a. (3.27%p.a. discount off Standard Variable rate).
    • Construction fixed rates only available on 1 and 2 year fixed rate terms within the package product.
    • Terms, conditions, fees, charges and lending criteria apply and are available on application.
    • The comparison rate is for a loan of $150,000 over 25 years. WARNING:This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
    • People’s Choice Credit Union is a trading name of Heritage and People's Choice Ltd ABN 11 087 651 125, AFSL and Australian Credit Licence 244310.