Buy an investment property
Why choose BCU Bank for your investment property loan?
Great interest rates
Competitive rates for fixed and variable investment loans.
Flexible options
Fixed or variable, principal and interest or interest-only. The choice is yours.
Quick approvals
Our home loan specialists will help you get home loan approval quick smart.
With a personal touch
At home, at your local branch, or over the phone – our home lenders are here to help.
Choose from our home loans for investing
Basic Investment Loan
An investment home loan without the bells and whistles so you can keep things simple.
From
Variable rate
Comparison rate*
- No ongoing monthly fees
- Extra payments allowed
- Redraw available
- 100% offset available
- Up to 90% LVR (including LMI)
Variable Rate Investment Loan
A variable rate investment loan with a 100% offset account, so you can use your savings to reduce the interest you pay.
From
Variable rate
Comparison rate*
- No ongoing monthly fees
- Extra payments allowed
- Redraw available
- 100% offset available
- Up to 90% LVR (including LMI)
Fixed Rate Investment Loan
Enjoy the certainty of repayments with investment loans fixed from one to five years.
3 years fixed from
Fixed rate
Comparison rate*
- No ongoing monthly fees
-
Extra payments allowed
- Redraw available
- 100% offset available
- Up to 90% LVR (including LMI)
Compare home loans side-by-side
Compare your options with our easy-to-use home loan comparison calculator. Just input your loan amount and property value, and you can see how different home loans stack up next to each other – literally.
Home loan comparison calculator
More calculators
We're invested in your investment property
Investing in property doesn’t need to be complicated
The important stuff
First, make sure buying an investment property is the right move for you. It might be worth getting some independent financial advice to get the full picture.
Get in touch
Once you’re sure investing is the right move, book an appointment with one of our home loan specialists – at home, work, or one of our branches.
Apply for a home loan
We’ll need your photo ID if you don’t already bank with us, as well as a bit of extra information about what you earn, owe, own and spend.
Assessment and approval
We’ll assess your home loan application quickly, so you won’t be waiting too long! We’ll be in touch if we have any questions or need any more info.
Sign your contract
We can bring your contract to you, or you can sign it at your local branch.
Your all done!
You are now the proud owner of an investment property! That’s one goal checked off the list – now what’s next…
Handy home loan articles
Five simple tips to help pay off your home loan sooner
For the majority of us, home loans will be a necessity. Fortunately, there are several steps you can take towards paying off your home loan quicker.
Which home loan type is right for you
If you find yourself confused about the different types of home loan rates, look no further! We've outlined the differences to make your life easier.
Easy ways to save money with an offset account
An offset account is an account linked to your home loan, which helps to manage the interest payable on your home loan and reach your savings goal.
Don't forget about landlords insurance!
We offer different levels of cover for landlords insurance to suit a range of needs, so you can get protection for your investment property.
Because we're here to help
We'll call you
Drop us your details and one of our home loan specialists will be in touch.
Ready to apply?
Book an appointment over the phone, via video call, or in-person with a home lender.
Talk to the team
Got a question? Call us on 1300 228 228, pop into your local branch, or chat to us online.
Got a question about investing in property?
There are many tax implications to consider if you’re buying and maintaining an investment property.
The income you receive from the property may be tax deductible, likewise for the costs of managing the property. Then there’s tax on any profit you make if you sell the property.
Before doing anything we recommend that you speak to your accountant or a financial advisor, to understand if buying an investment property is right for you.
In many circumstances it's possible to use your home equity as a deposit on an investment property.
To speak with a lending specialist and discuss how much equity you can use to apply for an investment loan, please contact us on 1300 228 228 or book an appointment online to speak to a Home loan specialist.
Principal and interest repayments are when you pay off a portion of the principal balance of the loan (the amount you originally borrowed) plus the interest charges with every repayment you make.
Interest only repayments are as the name suggests - you're repaying the home loan interest charges only, calculated over your loan term and charged monthly. You'll not be paying off any of the principal balance of the loan. Interest only payments apply for an initial maximum period of five years.
Principal and interest repayments will apply once an interest only term has matured. You'll receive plenty of notice on your maturing interest only period and what your new principal and interest repayments will be. This will give you an opportunity to review your lending facilities.
Important information
Banking and Credit products issued by Police & Nurses Limited (BCU Bank).
Any information on this website is general in nature and does not consider your personal needs, objectives or financial situation. Our rates are current as of today and can change at any time. Credit eligibility criteria, terms and conditions, fees and charges apply.
Please consider the terms and conditions and whether a product is right for you.
- View terms and conditions
- View fees and charges
- View Credit Guide
- Create a Home Loan Key Fact Sheet
- View LMI Information Fact Sheet
- View Target Market Determinations (TMDs)
*Comparison rate calculated on a loan amount of $150,000 over a term of 25 years based on monthly repayments. For variable Interest Only loans, comparison rates are based on an initial 3 year Interest Only period. For fixed Interest Only loans, comparison rates are based on an initial Interest Only period equal in length to the fixed period. During an Interest Only period, your Interest Only payments will not reduce your loan balance. This may mean you pay more interest over the life of the loan.
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.