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Investment Property Loans

Searching for investment loans? Enjoy the confidence of great rates and local service from a customer-owned bank.


Variable Home Loan - Investment

A great variable rate home loan with 100% offset and principal & interest or interest only payment options for investors looking to purchase a property.

6.44% p.a.
Variable rate
6.47% p.a.
Comparison rate
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Investment Fixed Rate Loan

Our fixed rate loan for investors provides the confidence of knowing what your repayments will be for the fixed rate period.

6.39% p.a.
2 year fixed rate
6.46% p.a.
Comparison rate
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Investment Line of Credit Loan

For residential investors seeking flexibility with their loan.

7.90% p.a.
Variable rate

Award-winning home loans

While it's not all about the accolades, our home loans have been recognised with multiple awards for having flexible features, competitive rates, and quick approvals.

Have a look at our trophy case

Mozo Experts Choice Award 2023/2024 - Investor Fixed Rate Home Loan winner
Finder Awards 2024 - Investor Home Loan IO - 1 Year Fixed
Finder Awards 2024 - Investor Home Loan Highly Commended IO 2 Year Fixed

What will my repayments be?

Use our home loan repayment calculator to get an estimate of how much your repayments on your investment property loan will be.

Get started by entering your property value and loan amount and click 'show my repayments'. Select 'investment' as your prefered product group, and you'll be able to choose from our available loan products.

Want to find out how much your investment property is worth?

Investment loan rates, features, and fees

Find all the key details about our investment home loan interest rates, features, and fees to help you compare.

 Basic Investment LoanVariable Home Loan - InvestmentInvestment Fixed Rate LoanInvestment Line of Credit Loan
  Learn more Learn more Learn more Learn more
Maximum term 30 years 30 years 30 years N/A
Minimum loan $20,000 $20,000 $20,000 $20,000
Redraw available
Maximum Loan to Value Ratio (subject to credit policy) 90% 90% 90% 80%
Principal and interest
Interest only available at different interest rates
 Basic Investment LoanVariable Home Loan - InvestmentInvestment Fixed Rate LoanInvestment Line of Credit Loan
Principal and Interest loans
Interest rates from 6.29% p.a. 6.44% p.a. 6.39% p.a. 7.90% p.a.
Comparison rate 6.32% p.a. 6.47% p.a. 6.46% p.a. N/a
Interest Only loans
Interest rates from 6.69% p.a. 7.62% p.a. 6.49% p.a. N/a
Comparison rate 6.50% p.a. 6.81% p.a. 6.48% p.a. N/a

Fixed rate loans will revert to the Standard Variable Rate applicable at the end of the fixed rate period. View all loan interest rates.

 Basic Investment LoanVariable Home Loan - InvestmentInvestment Fixed Rate LoanInvestment Line of Credit Loan
Establishment fee $0.00 $0.00 $0.00 $0.00
Annual fee $0.00 $0.00 $0.00 $0.00
Document Preparation fee $300 $300 $300 $300

Frequently asked questions

In most cases, interest rates on investment property loans are higher than standard owner-occupied home loans to compensate for increased risk to the lender. This is because managing an investment property and making principal + interest repayments on the loan is more difficult than just making repayments on the home you live in, as you need to find tenants or finance renovations so you can eventually sell the property for profit.

You will need to pay lenders mortgage insurance when you wish to borrow over a certain threshold of the property value. The difference between your deposit and how much you want to borrow is calculated as the loan-to-value-ratio (LVR).

Important information


Credit eligibility criteria, terms & conditions and fees & charges apply and are available upon request.

Credit products issued by Police & Nurses Limited (BCU Bank) ABN 69 087 651 876 AFSL/Australian Credit Licence 240701. Lending criteria, terms & conditions, fees & charges apply. Rates subject to change.

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.